Is there a fee if I try to deposit a check that bounces?
143107
Most corporate banks will charge a fee. I sold something on eBay, accepted a check which bounced and was charged $30 by BankOne. The DON'T take checks on eBay. Make them pay with PayPal, they can use their checking account. \n\nThey charge a fee to avoid people floating checks. If someone gives you a bad check, you're completely justified in going after them for the fee you were charged.
950106
Your question leaves a little detail out.  If you are worried about a check you DEPOSITED into your account, banks give you conditional credit sometimes for deposit and they can subtract the deposit from your account, if the check is rightfully returned.  That's under your deposit/account agreement with them.  \n\nIf it's a check you gave to someone else, and it cleared your account, that means that it won't bounce back to you "per se" but that the bank will be looking for you to make up any difference in funds short in your account, as an overdraft of your account.  Also in your deposit/account agreement.  Banks have a limited time to allow clearance of funds interbank under the Uniform Commercial Code and don't ask for funds back from another bank if that time period has passed, if they transferred the funds. If you are concerned about a different situation, please edit your question to provide more detail.
624445
If it's not too late, see if you can stop payment on the check that you wrote (if you wrote one already).\n\nAlso, go to the bank and explain the situation; if you deposited it in good faith, you shouldn't get into trouble
868316
you should come to the bank and ask for it...all the bank has somekind like remittance facility.. but of course you will charge for any fee...
705845
it really depends.\n\nif it was cash, it'll post immediately.\n\nif it was a local check, it'll post according to the cutoff time for deposit.  (before 2pm, the same day - when they update that evening; after 2pm, the next business day - when they update that next business day's evening).\n\nif was a non-local check, could be a deposit hold from 1 - 14 business days.\n\nall in all, check the deposit ticket, it'll say it right on there.
796996
That seems like a lot of money.  It might be worthwhile to call the bank where you have your account and ask their advice -- there may be someone there who is accustomed to seeing this type of business and can tell you whether the fee is reasonable for what you are trying to do.  And your bank will know about the transaction, anyway, once you get the money deposited.
880482
Actual funds are not available until the check you are depositing clears the bank of origin (since most money transfers are done electronically, the delay is minimal on payroll checks). Deposit at the ATM today.. since most banks have times deposits are posted to the account, such as Next business day, after 3pm deposits aren't posted until after midnight of the next business day... it's pretty convoluted... at least a deposit slip will cover any automatic fees in your account. However, the funds may not be available to you to get cash back at the ATM machine.\n\nDaveB mentioned over drafts.. this is true, the bank will withdraw funds before posting deposits.. it's their way of charging overdraft fees. so as long as you have enough money for your requested cash withdrawl, you'll be fine.
1145262
Depends on what the particular loan documentation states.  A bouncing charge would be the fee that the bank or institution who holds the loan would charge against you if your check should bounce for your loan payment.
772798
Your question is not very explicit. Your spelling of the word "cheque" indicates that the banking system is not in the United States, but I could be mistaken. However, my familiarity is with the US banking system, although I'm by no means an expert.\n\nPlease note that when I say "you" in the following description, I'm using the generic form of "you" and I'm not referring to you specifically.\n\nIn general, you must have an account at a financial institution in order to write a check. A check is simply a transfer of funds from one financial institution to another. \n\nWhen you (payor) write a check to someone (payee), they will either deposit the check in their own account or they may cash the check. The payee's bank (or financial institution) may let the payee have the funds immediately or it may place a "hold" on the funds for a period of time. If the payee's bank, or financial institution, gives the payee immediate access to the funds, it's because the payee's bank has a reasonable expectation that the funds will be good. For example, the payee may have sufficient funds in their own account so that if the check bounces, the bank will be able to recover the funds from the payee. The payee would then try to get the money from the payor to cover the shortage. \n\nIf the payee's bank places a "hold" on the funds, that means the payee does not have immediate access to the money. The bank will wait a specific number of days (usually 4-10 days) to give the check time to complete the transfer of funds. Each bank, or financial institution, has its own policy regarding how long it will place a hold and on what types of checks it will place a hold (e.g., out of state checks).\n\nThe time allowed to complete the transfer of funds between financial institutions varies depending on a number of factors. And there may be some individual idiosyncracies with specific financial institutions. I.e., all financial institutions are not created equal when it comes to processing payments.\n\nFor example, several years ago, I ordered a wire transfer of funds. I thought a wire transfer would be virtually immediate because the payment should go through electronically. What I learned was that the wire transfer would be sent to the branch of my bank that was closest to the branch of the payee's bank, but then it would be physically sent to the payee's bank -- either by US mail or, possibly hand-carried. This was an idiosyncracy of my particular wire transfer transaction.\n\nSo when the payee deposits the check in their account, the deposit is based on trust between the bank, the payee, and the payor. The actual funds have not yet transferred into the payee's account. It can be 10 days or longer (although it may be shorter now) and a check may bounce. Also, the payor may put a stop payment on a check, which may not be communicated to the payee's bank for several days.\n\nCashier's checks are an interesting item. I used to think that a cashier's check was like cash. It turns out that they're actually more like checks. The purchaser of a cashier's check may put a stop payment on the cashier's check and it can take as long as 30-45 days before a problem shows up in the payee's bank account. And cashier's checks are commonly used to send fraudulent payments. So you have to be very careful about receiving cashier's checks.\n\nIf you write a check and don't have sufficient funds in your account, when the payee's bank submits the check for payment your bank will usually debit your account for the amount of the check. Many banks will give you grace for your first one or sometimes two bounced checks. In other words, they will pay the check to the payee's bank. The payee won't know that you had insufficient funds. However, your account will be overdrawn and you have to cover the overdrafted amount, including overdraft ch
1047171
If you dont have a bank account and you need to send someone a check/ cheque then get a money order. Walmart and local US postal services sell them. You pay a little extra on top of what amount you need it in. Just go there and say you need to buy one and tell them how much you want it for. It is guaranteed money better than a personal check because it can't bounce/ not be valid.
359480
Yes! You can try waiting, but if they find the error, you will have to repay them. If they really don't like you, they could claim you commited fraud to get the money.
1162900
A check may be run through "the work" twice, that is through the FED clearing process.  If it is returned a second time, it will be charged back to whomever deposited it, and the check or electonic image returned to the depositor.  That person will then have to collect it by other means, or he/she can request that the item be sent for collection.  If you request that the item be sent for collection, the check is mailed to the bank it is drawn on and that bank pays the item as soon as funds are available and the mail a money order or Cashier's Check.  There is usually a collection fee involved of about $15 to $20.
541547
then tell him to mail it to you, IF they say there is a "processing fee" tell them to go fucj themselves.\n\nIf they do mail it to you, deposit, and WAIT until the check actually clears your account.\n\nThe other option is to call the police in the area code and ask them if they are aware of this company, also the Better Business Bureau.
734344
checks bounce....\nIt is important to keep your credit clean
1014177
They are almost always scams.\nThey will ask you to deposit their check in your bank and wire them their 90%.  Their check will bounce and you are out of luck.\nDon't fall for this scam!
130107
It means writing a check knowing your account may not have sufficient funds to cover it right away.  Some people will float checks a day or two before payday, for instance, and hope their bank posts the paycheck before clearing the checks.\n\nIt's also called 'kiting' a check in some places, and the practice is technically illegal.  New regulations concerning check processing times have almost eliminated the one to three day lag time between writing and depositing.  If the merchant receiving the check runs it electronically, your account could be debited within hours and the check would bounce.
1107680
Any bank would do it for you. If you have an account, they are more willing. if you don't have an account, I would say do $100 at a time so you don' t irritate the teller.