Why are these people so damn retarded
(twitter.com)
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If there really was some viral shit going on, to the point where there's an usual line out the bank, the tellers would likely inform the customers of the scam.
The scam is that chase has a glitch that somehow adds check values to the bank account being credited without waiting for the check to clear first. So these people are taking advantage of what they think is free money by cashing bad checks
The banks cash checks with a picture uploaded allowing them to verify the accounts. This seems so 20 yrs ago.