My dad sent me a $100 check for my birthday. I mailed in the check to deposit it - I have USAA so it's online banking. I just logged into my account, and my checking account shows the deposit on the 16th, "(Returned deposit item)" at $100, and a $5 fee. There's a scanned image of the check. It's stamped "return reason - closed account." The stamped check is being mailed back to me. What should I do? I'd feel weird calling and asking for another $100 check. Should I just forward the check to him?