[stomachmonkey]

A check is just a piece of paper with a routing and account number on it.

You can hand write the whole thing on toilet paper and it’d be legal tender.

Banks don’t verify funds before they accept and process checks.

Your bank will almost always credit some if not all of the monies to your account before they know if the check is good.

So you deposit it, you see the money in your account, you think it’s cleared so you send back the extra money then the check bounces and whatever money was credited to you clawed back.