do banks represent bounced checks?

Answer 1

I suspect you me re-present: that is, try a second time to collect the funds. I think most do, under most circumstances. If they have already had other bounces from the same party they might not, or if it is a case of the account being closed, and not merely overdrawn, or if it is for a considerable sum. You would need to ask your bank exactly what their policy is.

Answer 2

This completely depends on the bank. Many banks will "run" checks twice before they officially send the check back to the depositor. There are pros and cons to this:

First, if the bank automatically sends the check back after only one presentation, then the person who deposited the check can usually take the check to the bank of the check writer and either cash it or turn it into a cashier's check. Of course, this means more work on the part of the depositor.

If the bank presents it two times, and both times it comes back NSF (non-sufficient funds) then the check is no longer negotiable and the depositor will have to either contact the writer directly or take it to the District Attorney's office and have them attempt to collect on the check. Again, more work on that of the depositor.

Any wonder why many places have started refusing to accept personal checks?? :-)

Answer 3

If you bounce a check they just charge your account a NSF fee. Not quite sure I understand what you mean by "represent"

Answer 4

mine does not