I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it. 
