How are mobile check deposits accepted by banks if they never even get to see them up close?

Question

I always deposit my checks and the money is usually available the next day, sometimes even the same day. But, what protects these companies from fraud? How do they know the check isn’t a fake?

In:

Answer 1

because they already cleared the check with ACH. which cleared it with the payer’s bank. bank’s don’t give you money because you show the paper check. they give you money when the other bank identified by the numbers on the check says it’s ok to give you money.