If a bounced check cashes, does the recipient know it bounced?

Question

Irresponsible question I know... but I wrote someone a check and my check register is obviously off, because when I checked my online statement - the check cashed, but I'm now in the negative. Does the recipient of that personal check know that the funds weren't all there?

Answer 1

It depends if your bank paid it or returned it. Some banks will charge you an overdraft fee and pay the item, whereas some banks will take the money back from the other person and charge them (usually $10) and you an overdraft. It really depends on the bank, so I would call your financial institution and ask what there policy is. Good luck!

Answer 2

It depends on if your bank provides overdraft protection or not.. If they do not then the bank will notify the person you wrote the hot check to and they will be responsible for getting the money from you by other means..otherwise the bank will pay it and then charge you around a $25 dollar NSF fee to replace their cost of paying off the check.

Answer 3

OMG, your going to PRISON! J/K
Your bank will usually do this as a "service" for those who do not bounce checks all the time.
Of course they charge a heafy fee for this "service".
If it's paid back in a timely manner (debited from your checking balance) you have no worries.
There are some check bouncers that I get at my store. Some are very apologetic so I just take the amount of the check and forget the $5 my bank charges me. (not worth it)
Others will jack you around so I take them to small claims court and ask for triple damages plus court cost.
Hardly ever happens though.
They get the court papers and are like what can I do.
I usually settle for what it's cost me in actual monies.
I don't want to get greedy...

Answer 4

No, your check did not bounce, it was cashed against insufficient or nonsufficient funds. Your bank paid it out even though you didn't have enough in the account. The person who got the money is none the wiser. Your bank however, will hit you with a service charge of at least $30.00

Answer 5

Boing, boing boing. Nowadays, money can be debited from your account minutes after you write the check. Many banks have apps that allow for electronic deposit. Basically, the depositor takes photos of both sides of the check, then uploads it to his/her bank. The money's withdrawn from your account. Another problem: When you make a deposit (Saturday early morning) it may not be instantly credited to your account. It'll appear as a "ledger balance" but not as "funds available for withdrawal." Those funds might not be available for several more days. If you get lucky, it might not bounce. But it sure could.

Answer 6

If the check gets returned to that persons bank then yes they will know. If they walked into your bank and cashed the check then no. You should call your bank and ask if they paid the check or if it is going to be returned. It can show as paid today and tomorrow they return it, so it is best to ask.

Answer 7

Yep, his bank will charge him money for it & send him the check back w/ a letter stating that the funds weren't available.
Suggestion: contact the person you wrote the check to & give him the money to replace the check & the money he is charged from his bank (this amount varies).

Answer 8

most banks pay the check out but you will owe the bank an NSF fee..probably around $25 to $35! the recipient wont find out if your bank does this!

Answer 9

I think that depends on your bank and what kind of account you have.

If your bank covers the check then charges you then maybe not.

Other wise they do.

Answer 10

Right now, I'm working as asst. mgr at a bank:

No, your check will go through but that person won't know that ur overdrawn.