Can a bank debit your account so you have negative balance, and also bounce your check?

Question

I wrote my rent check a few days ago, and didn't have enough money in my account. It debited my account for the amount of the check and I went into a negative balance. Can the check also bounce even though they debit my account? I transfered enough money back into my account the next day. Will I be charged any fees? This is the first time this has happened to me. Thanks.

Answer 1

In my bank, if you wrote a check out that is more than what you have in your checking account, you will be charged a bank fee and the check will not be cashable and come back to you.

If you use a debit card, usually it wouldn't go through if there isn't much left in the checking account. Its similar to a credit card where you don't have enough balance.

If you setup an automatic payment, the payment will get paid no matter what, just that the bank will charge you a fee for insufficient funds in the checking account. (this happened to me once with my student loan payment. i forgot to deposit money into my checking account).

Answer 2

If you had a negative balance, they didn't bounce the check. They covered it for you. You'll probably get a $25 charge though for overdrawing your account, depending on what your banks policy is. Unless you had overdraft protection on there.

However, if you call the bank and talk to them, they might waive the fee since this is the first time you've done it. I'm guessing you've been a pretty good customer for a while. If you hadn't been, they would have just bounce your check. Be glad they did what they did. Otherwise, your landlord would have gotten the check back and you'd have been embarrassed. The bank did you a favor covering it.

I wouldn't make a habit of it though.

Answer 3

I took a business law class, that was required. The lawyer who taught the class said it is NOT fraud or illegal to use someone else's debit, bank account, or credit card IF you have their permission. She is a liar and should be charged with filing a false report. If you have ANY emails, texts, or voice messages from her stating that you can use her debit card/accounts and/or any proof that shows she clearly knew you were using the accounts, long ago, and didn't have a problem with it. Copy that evidence and show it to the police. Tell them you want them to charge her with filing a false police report, which she DID if you have any proof that she was allowing you to use this account and if she lied and told the police you didn't have permission, when you can prove you did have permission. If you cannot find any evidence then I suggest you purposely EMAIL her and save all the responses. Be polite, try to catch her in the lie! Say you are sorry but you did not cause the problem with her account. Ask her, in the email, why are you lying to the police? Why are you telling them I did not have your permission when I did have your permission? Then if she replies and says anything that shows she is a liar, print it out twice, save the email and save a printed copy in a secret place in your house. Then show the 2nd copy to the police proving she is a liar! If you can't get any written or voicemail proof that she is a liar then you need to get a lawyer to defend yourself against these charges. These are serious charges so you need a lawyer.

Answer 4

It depends on how quickly the chck went through on whether it can bounce the check or not. most likely you will not get charged if you transfered/replaced the moneythat quickly, but your reputation with the bank can effect this. You state this is the first time, so I would say you have nothing to worry about. LOL!!

Answer 5

Sounds like you have "overdraft protection." No, the check won't bounce. There might be a fee, depending on the terms of your checking account agreement.

Answer 6

Ask at your bank. Check your account terms and conditions.