yikes, that is very unfortunate.
My wife has an ING/Tangerine account, but for anything like this, face to face and immediate transaction handling with a teller is the way to go.
Given that you have a list of all monetary gifts, can you not do a simple delta between the cash vs cheques pending? I wonder if tangerine will be courteous and honour the ballpark number you present them for the missing money.
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