2007-08-07 12:30:05 · 10 answers · asked by Urrka N Da CLuB 1 in Politics & Government ➔ Law & Ethics
The bank doesn't know whether one is honest or not. People at times may have an overdraft. The banks do ream you for this.
If this is not a frequent issue, call the bank and see if they will wave the charge. They usually will if you are nice, had the account in good statnding, and aren't a cronic over-drafter.
If you don't like the banks fees, switch. Try a credit union, or pay cash.
2007-08-07 12:36:50 · answer #1 · answered by Net Advisor™ 7 · 0⤊ 0⤋
I have no sympathy for people who habitually bounce checks. But in this day and age when hardly anybody uses hard cash for most purchases anymore, I suppose it's easy for even an honest person to lose track of his personal accounting and inadvertantly write a bad check once in a very *rare* while. The way it works is, if you're a merchant and somebody pays you with a bad check and you try to deposit it, the bank directly charges YOU the $20-$30 overdraft fee. Why should you be the one stuck with that? It's only fair that you be allowed to pass that fee onto your customer, the one who wrote the bad check in the first place. Personally, I just don't understand why the banks penalize the person who deposited the bad check, instead of going after the guy who wrote it.
2007-08-07 13:44:01 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Honest people don't write bad checks. Writing bad checks is a federal offense. Anyone who writes a bad check should be prosecuted because it is the same as stealing. If I go to Best Buy and pay a TV with a bad check, I am stealing a TV. It is the same as someone breaking into a store or a household and stealing the TV set.
2007-08-07 12:36:53 · answer #3 · answered by rmrndrs 4 · 0⤊ 0⤋
I'd say that a bank should not charge for a certain number of bad checks (although they should of course be reimbursed), since anybody can make a mistake. If the customer goes beyond that limit, then it's clear they have a problem, and a charge is certainly appropriate.
2007-08-07 12:34:07 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Honest people writing bad check? Is that anything like Government Intelligence? Good contridiction in terms. Honest people dont write bad checks, if they do they are not honest anylonger.
2007-08-07 12:38:24 · answer #5 · answered by Coach 6 · 0⤊ 0⤋
By the definition of the term, someone writing a bad check is not honest -- they don't have the funds that they are promising to pay.
Either they are being careless, or committing intentional fraud -- and in that difference in mindset rests the difference in punishment -- someone committing intentional fraud is punished much more severely than someone who is simply wrong.
2007-08-07 12:34:40 · answer #6 · answered by coragryph 7 · 1⤊ 0⤋
Yes, they still wrote the bad check. Honest people make mistakes and knowingly do these things often.
2007-08-07 12:33:06 · answer #7 · answered by Glen B 6 · 0⤊ 0⤋
Yes, but not $30 a pop! An honest mistake, say one every 18 months or so, should be $5.00 max, which should cover any inconvenience caused to your financial institution.
2007-08-07 12:32:38 · answer #8 · answered by trentrockport 5 · 1⤊ 0⤋
If you're an honest person you wouldn't be writing bad checks.
2007-08-07 12:32:54 · answer #9 · answered by mstrywmn 7 · 1⤊ 0⤋
Yes they should.Fraud is fraud,no matter how you slice it.
If you are childish and stupid enough to write a bad cheque,then you should suffer the consequences.
2007-08-07 15:11:32 · answer #10 · answered by Candi Apples 7 · 1⤊ 0⤋