Going through my bank statements at tax time, I noticed a weird check for $80 that was unaccounted for. Getting the check image, it was:

1. Not my name for the payer

2. An out-of-state address

3. Check was not on my bank's paper, they did the logo wrong, etc.

4. Signature was someone else's

Essentially, everything was wrong but the account number. The bank cashed the check, and blamed me. I got very angry about that, and basically sat in the manager's office until he agreed to refund my money.

A couple months later, I ran out of blank checks, and went to the bank to order more. They gave me a song-and-dance about the advanced "security paper" for the expensive check blanks they wanted to sell me. I literally laughed, and told them you guys don't check the name, the address, the signature, and certainly not the paper, and walked out and bought more checks from an online company.