What law is broken if you deposit a check not made out to you
Hello!
What law is broken if a U.S. business check made out to, let's say, "Joe Richards" is deposited into the account of "John Richards" when both have separate accounts (no joint accounts of any kind) at the same bank and both are known to tellers at the bank? Who is guilty? The bank or John Richards? Or both? Check is clearly typewritten. No endorsement from Joe signing check over to John and Joe not even present at time of deposit.
Comment on Fr_Chuck's post
$ not only deposited into John's account but John has also long since spent it. Over a year ago.