The so-called Chase ATM “glitch” was not a way to get free money. Viral posts described depositing fraudulent checks and withdrawing cash before the checks were returned. Once a check fails to clear, the bank can reverse the deposit while leaving the person responsible for money already withdrawn. In October 2024, JPMorgan Chase filed four civil lawsuits seeking repayment; the complaints’ allegations are not convictions, and the reviewed sources do not establish the final outcome of each case.
What was the Chase ATM “glitch”?
In late August and early September 2024, viral social media posts described writing or obtaining a fraudulent check, depositing it at a Chase ATM, and withdrawing funds that appeared available before the check bounced. The word “glitch” was the posts’ framing. Chase said the incident had been addressed and called depositing a fraudulent check and withdrawing the funds fraud.
Fortune reported that banks may make some deposited check funds available before the check has finally cleared. That timing does not turn a fraudulent or unpaid check into money the depositor is entitled to keep. If the check is returned, the provisional credit can be reversed, while cash already withdrawn remains owed to the bank. Fortune’s September 3, 2024 report and The Guardian’s September 2, 2024 report describe the viral claims and Chase’s response.
Why an available balance is not proof a check cleared
An account balance can reflect funds made available while a bank is still processing a check. “Available” describes access to funds at that point; it is not a guarantee that the check will be paid. If the check is returned unpaid, the bank can remove the provisional deposit. Withdrawing the apparent credit before that happens does not prevent the reversal or eliminate the resulting debt.
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Why the term “check kiting” appeared
Cornell Law professor Dan Awrey described the tactic in a post quoted by The Guardian: “Check kiting. It’s called check kiting. And it’s been around since the invention of… checks.” The phrase offers historical context, but it should not be treated as a legal classification for every person or every transaction described online; the specific facts matter.
What Chase said about the incident
A Chase spokesperson told Fortune on September 3, 2024: “We are aware of this incident, and it has been addressed. Regardless of what you see online, depositing a fraudulent check and withdrawing the funds from your account is fraud, plain and simple.” This was a statement about the incident at that time, not a technical audit of Chase ATMs in 2026. Fortune reported the statement.
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What happened to people accused of using it?
Bloomberg Law reported that JPMorgan Chase filed four civil complaints on October 28, 2024, in federal courts in California, Texas, and Florida. The complaints alleged that named defendants deposited large fraudulent checks and withdrew funds before the checks bounced. Bloomberg reported that the four defendants collectively allegedly owed $660,000. That figure was an amount alleged at filing, not a final judgment or a confirmed recovery.
The cases were civil suits seeking repayment. A complaint states a plaintiff’s allegations; filing one does not establish that the allegations are true, and it is not a criminal conviction. The reviewed material does not establish the final disposition or merits of each case. A third-party docket index crawled on October 8, 2026 showed mixed open and closed status labels, but those labels do not establish what happened in any particular suit. Current outcomes would need to be checked against the official court dockets. Bloomberg Law’s report identifies the reported filings.
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How many incidents were involved?
There is no confirmed total in the sources reviewed for the number of people who participated, the number of fraudulent checks, or the amount ultimately recovered. In prepared remarks on December 11, 2024, Acting Comptroller of the Currency Michael J. Hsu said media reports noted that JPMorgan Chase was investigating thousands of possible incidents. That is a reported investigation scale—not a verified count of fraud cases, proven participants, or losses. The OCC’s prepared remarks attribute the figure to media reports.
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What the episode means for bank customers
- Do not rely on a temporary credit. Funds made available after a deposit may still be reversed if a check is returned unpaid.
- Online claims do not change the rules. A viral description of an ATM “glitch” does not make a fraudulent deposit legitimate or erase repayment obligations.
- Separate allegations from outcomes. The reported lawsuits sought recovery, but the available sources do not establish final rulings in each case.
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