Bank of america help?

Question

I have a bank issue. Me and my roommates are sharing an apt for the august 08-august 09 school year. We each sent one of our roommates our share of the rent so she could deposit it and then send off one whole check to our landlord at school. She sent it off yesterday but I noticed that my check hadnt been deposited so I texted her and asked her about it and she said she deposited it and didnt know what was going on with my acct because my money was in her account. Im assuming she deposited it yesterday.

Any idea why it says on her account that she has the funds but the money has not left my account nor do I see any check pending or whatnot? She has charter one bank so we have different bank accounts.

if i can check tomorrow, what time does the bank usually update things? Like im usually awake til 4am so would I be able to check by then or is that too soon?

Answer 1

most checks operate on what it called Check 21 where even if the check has not yet reached your bank yet, the bank its being deposited to can electronically check with your bank on where the funds are.  You should call bank of america and ask if your check has been presented yet. if not then i suggest doing a stop payment and write another check but deliver it yourself and not let the roommate do it.