Person responded to an on line ad to sell an HO train set. Asked if a cashier’s check would be acceptable and if he sent extra $ if I’d pay for someone to pick it up. I said yes only after check cleared. I received the check, deposited it, and waited 24 hours for the check to clear. When I checked on line, I saw that the bank moved the money from pending into my account. I did not know that the bank fwds the money "as a courtesy" prior to official clearance of check. We then arranged to have the pick up person be paid. We then had multiple issues with this, so I got to the point where we would refund his money. We went through a bunch of ways to return the money. I ended up getting him most of the money back. 3 days later, the bank denied the check as it was a fake check. I then contacted the person and he basically said it was the banks problem. Bank represented: Southern Bank & Trust Co, Norfolk, VA 23506. When I contacted my bank, they wouldn’t help me. I tried contacting the Southern Bank and trust, and it didn’t exist.