Thanks Little Hud. I have to keep my current one because I have some direct deposits I don't want to mess up. One in particular gets messed up enough as it is without any help from me!!

But I did have to open a new account in my mom's bank just to be able to deposit this check!! Crazy!! So I do have two accounts now in two differant banks!!

Hope it doesn't get confusing!

I rarely deposit a check. I ask that it be cashed then I deposit the money. I learned this from a CFO who never deposited checks in his personal account. The money is instantly available to you as soon as it's deposited. The bank will have the amount of the check on their books as income long before it's available to your account. They are making money while you are left in limbo.

I know there have always been schemes and frauds, but it seem in these hard economic time they have really increased. Sadly enough businesses have had to add so many rules and regulations just to protect themselves from these people that it is making it hard for honest people like you. We pay the price for someone else's dishonesty. So sad.