What Is the Statute of Limitations on NSF Checks in Washington State?


The statute of limitations for collections on a check written in the state of Washington is six years. Collecting on a check returned for non-sufficient funds requires adherence to state standards, but the state does allow for interest and penalties, depending on the check writer's response to your notice.

Give Notice

  • Notify the check writer that you received a check written on an account that lacked funds to cover the check. Include in your letter details from the check, such as the number, who signed it and the amount. Consider sending this notice by certified mail, so you have a record of its mailing.

Penalties for Bad Checks

  • Inform the check writer of the potential penalties for writing an NSF check. If you are not reimbursed for the full amount of the check within 15 days, you are entitled to charge the check writer 12 percent interest per year; a penalty of up to three times the check or $300, whichever is less; and up to $40 cost for collecting the check, plus attorney fees.

Go to Court

Pitfalls to Avoid


  • Photo Credit Stockbyte/Stockbyte/Getty Images Chad Baker/Ryan McVay/Photodisc/Getty Images Comstock Images/Comstock/Getty Images Hemera Technologies/Photos.com/Getty Images Digital Vision./Photodisc/Getty Images
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