[cheald]

"Check fraud" isn't exactly a "glitch". This "works" because of a concession made to the customer to allow them to access funds before they're verified, because checks can take weeks to clear.

It's exactly why those "I'll send you a check for $10k, deposit and withdraw it, then send me half back and you keep the other half" scams work. By the time the bank comes back and says "This $10k check was bad, give us back the $10k you withdrew", you're out the $5k you mailed off. Except in this case, the only person you're scamming is yourself, so it's an extra potent form of stupid.