Return Item Check?

Question

What does a Return item Check Mean? Will they return the check to me or are they going to try to cash it again?

Answer 1

Usually your bank will return the check back to you and let you decide if you want to run it through again or not. This is assuming the check is being returned for insufficient funds. If the check is returned for another reason (ex: account closed or stop payment) then you will not be able to redeposit it. The bank will still return the check to you, but you will not be able to run it through your account again.

Answer 2

When you write a check, if there are not sufficient funds to cover it and you don't have overdraft protection, the bank returns the check to the bank where it was deposited (the bank of the party you wrote the check to). That bank may or may not have a policy that governs whether they will try to redeposit the check or not. The merchant may also have a policy in place where they may automatically redeposit the check.

Once a check has been returned twice, they typically don't try any more. But this will generate two sets of fees at your bank, and you'll still be civilly and possibly criminally liable for the check you wrote, depending on the laws in the state in which you live.

They won't return the check to you unless you redeem it. Usually this means paying in cash or certified funds for the amount of the check plus the merchant's service fee.