I got the email posted below, so I called the bank to ask if the funds simply were credited and taken out and placed on hold, she assured me this was not the case and that the check had indeed bounced. I explained to her the email I had received and the fact that the funds were 100% available and asked if there was anyone else I could talk to. She connected me to her higher up and after 2 or 3 minutes on hold she returned to inform me, that with international checks they need to make sure the funds are available in the national reserve or something, and the check was initially wrongfully credited to my account and I could expect the $ by August 10.....
Anyways long story short.
Lock +3
QuadCityRhino-0
MY Bank -10
Elle
AUG 02, 2012 | 11:42AM EDT
Hello xxxx,
I double checked with our Check Processor and the check did not bounce. The funds for your check are available to debit from our account. Sounds like the teller was not familiar with how to handle International checks. Generally, US banks will take the check and send it through 'Collections' where they will hold your funds until it has cleared, then release the funds to you. This can take several weeks to clear but assure you that your check funds are secure and ready for your bank to take.
If the check was deposited and later debited, this would be a bounced check situation. Also, please note that we have put extra steps in place to ensure checks are not returned NSF and have not had any recent bounce check issues.
At this point, you have already deposited the check so I recommend waiting until your bank clears it and releases the hold on your funds.
All my best,
Elle
---
CSR, Lock Support
http://www.lockpoker.eu
http://www.lockcasino.eu