How to Avoid Writing Bad Checks

Steer clear of bad checks.

A bad check is a check written from a closed or false account, a check drawn from an account without funds or an altered or fraudulent check. Penalties for writing a bad check can include fines, restitution and even jail time. If you pay attention to your account and keep good records, it's easy to avoid writing a bad check.

Instructions

1. Regularly check your bank statements and stay aware of the funds in your accounts.

2. Check with your bank or financial institution to make sure your checking account is still open. If your account is closed, any checks you write from it are bad checks and will not go through.

3. Call your bank, check online or balance your checkbook to see how much you have in your account before you write a check. Make sure to leave enough money in the account to cover the check.

4. Check with your bank or financial institution for overdraft plan options that may let you write a check for more than you have in your account.

References

• National Check Fraud Center: Bad Check Laws by States
• Investopedia: Bad Check Definition