I switched banks some time ago. My new bank does not credit my account with the deposited check amount immediately. I used to think this would be an inconvenience, but on more than occasion I have recieved "hot" checks that I am glad were never credited to my account. It amazes me how reasonable people can fall for these scams. At the very least, a simple phone call to your bank after the check has been deposited/credited will conform its validity... C'mon people, wake up and smell the caffiene!