{"id":2041,"date":"2025-04-21T14:10:28","date_gmt":"2025-04-21T13:10:28","guid":{"rendered":"https:\/\/www.redstareducation.co.uk\/blog\/?p=2041"},"modified":"2025-04-21T14:10:28","modified_gmt":"2025-04-21T13:10:28","slug":"bounced-cheques","status":"publish","type":"post","link":"https:\/\/www.redstareducation.co.uk\/blog\/bounced-cheques\/","title":{"rendered":"Bounced Cheques"},"content":{"rendered":"<p style=\"font-weight: 400;\">If you write a cheque but you don\u2019t have enough funds in your account to cover the cheque amount, this creates a \u2018bounced cheque\u2019 (meaning it cannot be paid into the recipient\u2019s account).<\/p>\n<h2 style=\"font-weight: 400;\">If You Write a Cheque that Bounces<\/h2>\n<p style=\"font-weight: 400;\">If you write a cheque that bounces, your bank may charge you a non-sufficient funds fee or overdraft fee. \u00a0The amount you\u2019re charged will depend on your bank, and might include a fee for the returned cheque and also possibly an overdraft fee, if the attempted payment would have made your bank balance fall below zero.<\/p>\n<p style=\"font-weight: 400;\">If you were writing a cheque to a company, that company may also charge you a fee themselves in the form of a late fee, \u00a0if the bounced cheque means your payment to them is now overdue.<\/p>\n<h2 style=\"font-weight: 400;\">If You Receive a Cheque that Bounces<\/h2>\n<p style=\"font-weight: 400;\">If you try to cash a cheque and the bank stamps it with \u2018refer to drawer\u2019, this means there is an issue with the cheque, it remains unpaid, and you will need to ask for either a different form of payment or a new cheque from whoever gave it to you.<\/p>\n<p style=\"font-weight: 400;\">This means there will be a delay in you getting the money you are owed. Therefore, if you sell goods or services, it\u2019s usually better to use instant payment methods such as a bank transfer, to get the money you are owed. If you let someone pay you by cheque, there is always a risk that the cheque you are given will bounce.<\/p>\n<h2 style=\"font-weight: 400;\">Why Cheques Can be Dishonoured<\/h2>\n<p style=\"font-weight: 400;\">There are a number of reasons why a cheque may be unpaid. These include:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Insufficient funds \u2013 where the person writing the cheque (the issuer) doesn\u2019t have enough money in their account to cover the cheque amount<\/li>\n<li style=\"font-weight: 400;\">The issuer\u2019s account has been closed or moved since the cheque was written<\/li>\n<li style=\"font-weight: 400;\">The cheque has been dated for a future date, meaning it cannot be cashed before this<\/li>\n<li style=\"font-weight: 400;\">Stop payment orders \u2013 this can be requested by the issuer if they want to stop the money being deposited<\/li>\n<li style=\"font-weight: 400;\">There is a mismatch between the signature on the cheque and the signature on file with the bank<\/li>\n<li style=\"font-weight: 400;\">The cheque was not written properly \u2013 common errors include misspelling the recipient\u2019s name or not putting the same figure in the amount box and amount line<\/li>\n<li style=\"font-weight: 400;\">Too much time has passed \u2013 cheques are generally considered valid for six months from the date it was written<\/li>\n<li style=\"font-weight: 400;\">It is fraudulent \u2013 some cheques may have been altered or forged, e.g, it may have been stolen from the account owner with their signature forged, the amount may have been altered, or the payee\u2019s name may have been changed<\/li>\n<li style=\"font-weight: 400;\">The name on the cheque doesn\u2019t match the account name<\/li>\n<li style=\"font-weight: 400;\">Bad condition of the cheque \u2013 where it cannot be read clearly<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>If you write a cheque but you don\u2019t have enough funds in your account to cover the cheque amount, this creates a \u2018bounced cheque\u2019 (meaning it cannot be paid into the recipient\u2019s account). If You Write a Cheque that Bounces If you write a cheque that bounces, your bank may charge you a non-sufficient funds [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2042,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1101],"tags":[1409,180,183,596,1491,823,1495,1494,1402,1492,1493],"class_list":["post-2041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital","tag-account","tag-bank","tag-bank-account","tag-banking","tag-bounced-cheque","tag-cheque","tag-dishonoured-cheque","tag-forged-cheque","tag-insufficient-funds","tag-rejected-cheque","tag-stop-payment-order"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bounced Cheques - 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