Scenario

"A couple left their closing with a check for their proceeds. A couple of hours later, they returned to the branch with the check and asked for a  wire instead. The closer voided the check and processed the wire. Unfortunately, they had used their smart phone and deposited the check before returning it to the branch."

It is hard to say why they thought that they would be able to get away with this. Perhaps they live in another country. Regardless, we need to keep this in mind should a customer return with a check and ask for a wire!