Not Always. Fake checks look so real that even bank tellers may be fooled. Some are counterfeit money orders or phony cashiers checks; others look like they are from legitimate business accounts. However, even if the company appearing on the check is real, the checks are not.
Here's your bank's responsibility.
Under federal law, banks must make funds you deposit available within one day; unless an extended hold applies. However, just because you can withdraw money doesn't mean the check is good. Even if the check looks real, forgeries and counterfeit checks can take days or weeks to be returned.
Here's your responsibility.
You are responsible for the checks you deposit because you are in the best position to determine how risky the transaction is. This means that you owe your bank the money you withdraw if a check bounces. The bank may be able to take it from your account or sue you to recover it. If it appears that you were involved in a scam and knew the check was counterfeit, law enforcement authorities could even bring charges against you.