Cash, Loans, Debts, and Promises

Tennessee’s Bounced Check Laws

  • If a check bounces in Tennessee, the merchant you wrote the check to can collect from you a fee of 10% of the check, up to a maximum, as a service charge.
  • The merchant must tell you that the check bounced and must then give you 10 days to go back to pay (plus the 10% service charge).
  • If you don’t go back and pay the merchant, the merchant can go to court and start the legal collection process, and report the problem to police.
  • Bounced checks are considered a theft crime.
  • Whether a bounced check is considered a misdemeanor or felony depends on the amount of the bad check (more on levels of crime later).
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