Technically, a forged check written on your account is an unauthorized check, and your bank has no authority to pay it.
However, the law does require that you review your checks and bank statements within a reasonable period of time and notify the bank in the event you discover an unauthorized check that has been paid. Your failure to review your account could provide the bank with a defense to paying the check over a forged signature.
Attorney at Law
Blado Kiger Bolan, Tacoma, Wash.