I called the Credit Union that the check they sent me was written on and the Credit Union said that the check was fake.  Do not send them any money.  I called them and ask me to explain the plan to me and the man I spoke with said exactly the same thing that was written in the letter.  I ask why I could not just cash the check, if it was a good check and send them the money back.  He said it has to be deposited, then I explained that the Credit Union had already told me that the check a fake.  He said who told me that and he would have to check and get back to me within the hour.  Never called.  BEWARE!