well, the truth is that you are responsible, and you would be no matter where you banked. If you don't pay it back, you wouldn't be at fault in a 'fraudulant way', only in a 'you overdrew your account and need to pay it off way'.' If you were the originator of the bad checks, well that's fraud.
...however, the complaints you have about the bank in general are very truthful. The problem with the bank is that they hire people who have no banking experience and then neglect to train them properly. I find it sad that a bank would claim to be the 'originiator' of 'second chance checking' would take advantage of people who already show that they don't know how to operate an account, which is why they have bad credit, and then take absolutely no time to educate them on how to operate an account, especially their MC check card. Most people with good credit don't actually understand how visa or mc check cards works..
wouldn't it be something if they took the time to help people in these situations, by teaching them how to operate their account properly, and help them to fix their credit.Once their credit is restored they could make their profits on loans, credit cards, investments etc, the way that honest banks do.But that is not how they operate. When you work their, the object is to open as many accounts as humanly possible. I asked the gal if they had overdraft protection and she remarked 'no one ever qualifies for it'..that is why they have 'priveledge pay' after one month.. they make it sound like they are doing you a favor, but it actually that they know 'needy people' will use this right away when they are short on cash... but because they don't know how to manage their money, never are able to pay it back, and are stuck in the revolving negative balance mode which equals lots of NSF Fees for the bank. Truth is every bank offers this but they revoke it if you abuse it...and they don't tell you that it's there. It's there so that if you are a good account owner they will allow the odd overdraft incase you goofed up but they know you will straighten it out as soon as you are able. Also, if you don't straighten it out promptly and you are overdrawn a certain number of days..they will freeze your account until you pay it off, or charge it off..But they don't wait for you to get to 1000.00 dollars overdrawn before they do that.
What Woodforest actually does is 'count on' those people to screw up and make huge profits from all the NSF fees that they occur, don't forget the 3 dollar fee every day that they charge any over drawn account, every day, after being overdrawn for 8 days. Each branch has an expense report for NSF charges which they are alotted a certain amount to refund a month. The branch manager can go over, but the goal is to stay under...(just like any other bank)...so he/she gets their monthly incentive pay(bonus)
so...no, an experienced teller in a bank may not have known that the check was fraudulant, but hopefully they would be more professional and not treat you like a criminal. You are the victim of the bad check. Just like the cashier who had no experience and didn't know it was fraudulant, neither did you.