Cash, Loans, Debts, and Promises

What happens when checks bounce

  • A “bounced” check is one you wrote when you didn’t have enough money in the bank to cover it.
  • The bank will handle bounced checks (“insufficient funds” checks) in different ways:
    • The bank might send it back to the person you wrote it to. If that is a business, they will likely charge you additional money for the bounced check.
    • The bank might pay the check but charge you a fee or penalty. The bank will do this if you pay a monthly fee for “overdraft protection” service.
  • Writing a check you don’t have enough money for might also be a crime; you can be arrested and charged with theft.
    • Theft convictions can prevent you from renting some types of properties, or may prevent you from getting certain kinds of jobs or professional licenses.
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