Banks prvery quick u2018clearingu2023 of checks so you can access the funds, but if you read the fine print the check hasnu2019t actually cleared until some considerable time later.So the Scam works like thisI pay you $40 to do me the favorI give you a check for $1000 for you to cash for me with the Payee blankYou fill in your name cash the check and see $1000 in you accountYou give me the $1000A week later the originating bank confirms the check is not valid and your bank reverses out the $1000Your bank charges you a bad check fee and suggests you contact me for paymentYou find out I have vanished up a net $960 of your money