I deposited a cashiers check for {$2900.00} at Bank of America ( BoA ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called BoA and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. BoA informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed BoA of this fact. Also, BoA informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a " mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or BoA to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my BoA checking account. 
