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Old 09-24-2014, 01:20 PM
 
Location: Los Angeles
12,114 posts, read 10,240,962 times
Reputation: 32963

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Quote:
Originally Posted by Wmsn4Life View Post
No, it means you have a bad bank.

Don't say a word. The first time, the next time or ever.
You mean most banks don't charge for returned checks? And there won't be a next time. I won't accept his checks any longer.
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Old 09-24-2014, 01:23 PM
 
10,802 posts, read 8,012,763 times
Reputation: 16972
Quote:
Originally Posted by Mr_Geek View Post
I deposited the check about a week ago. Today I got an email that the $20 check had bounced and my bank is removing the $20 + a $12 returned check charge from my account.
If your account history is clear of similar events, there's a good chance your bank will waive the fee upon request. Talk to an officer.
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Old 09-24-2014, 01:37 PM
 
Location: Long Island, NY
7,846 posts, read 10,765,893 times
Reputation: 9197
Quote:
Originally Posted by Mr_Geek View Post
You mean most banks don't charge for returned checks? And there won't be a next time. I won't accept his checks any longer.

I don't know any bank that doesn't charge their customers for returned deposited checks. The fee is less than if you wrote a bad check from your account. Like someone suggested, if you have a good history with your bank, see if they'll reverse the fee. I work for a global bank. When I worked in the branch I reversed charges in good faith.
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Old 09-24-2014, 01:42 PM
Status: "Buttigieg/Beto/Harris 2020!!" (set 11 days ago)
 
7,137 posts, read 2,867,259 times
Reputation: 6086
Since it was a gift check, I wouldn't say anything. I try to avoid awkward situations as much as possible. However, if it was payment for a debt, I would say something...but, I would phrase it in such a way that makes it clear that I think it was a mistake in record-keeping.

"Hey, you probably forgot to transfer money into your account. Your check bounced when I cashed it and I got charged $12."
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Old 09-24-2014, 02:34 PM
 
Location: Arlington, VA and Washington, DC
23,563 posts, read 33,282,476 times
Reputation: 32116
Quote:
Originally Posted by Wmsn4Life View Post
No, it means you have a bad bank.

Don't say a word. The first time, the next time or ever.
You may want to review your own bank's fee schedule, as someone who works in banking. I don't know of one that does not charge for returned deposited items. Even the credit union I work for charges for returned deposited items.
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Old 09-24-2014, 02:40 PM
 
Location: Brentwood, Tennessee
42,639 posts, read 41,381,512 times
Reputation: 81963
Quote:
Originally Posted by The Dissenter View Post
You may want to review your own bank's fee schedule, as someone who works in banking. I don't know of one that does not charge for returned deposited items. Even the credit union I work for charges for returned deposited items.
I have had this happen once. My bank waived the fee. Of course, they don't advertise it.
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Old 09-24-2014, 03:08 PM
 
Location: Silicon Valley
17,999 posts, read 22,723,480 times
Reputation: 34897
I'd send an email to the friend and say, "Hey, the check you sent me bounced and cost me $12 lol! Whatever shall we do about that?"

Smiley Face.

Presents shouldn't cost you money. That's BS. Just kind of laugh about it, but ask for the money. That's fair, and allows them to at least kind of save face, while still not putting up with it.
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Old 09-24-2014, 03:18 PM
 
Location: Boston
277 posts, read 203,828 times
Reputation: 755
I would not say a thing.

The poor fellow might have some serious financial situations you don't know about.

- or maybe just can't balance his check book. But still, I'd say nothing at all.
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Old 09-24-2014, 03:22 PM
 
9,657 posts, read 15,787,616 times
Reputation: 15967
Quote:
Originally Posted by oh-eve View Post
I totally understand that you are annoyed that you had to pay the fines.

But think about how good your life is compared to the dude who doesn't even have $20 in his account. His problems are way worse!

If he sends another check in the future I would say with a light tone "hey, is that another one that I can't deposit, remember, your last one bounced" and see what he says.
Yea....but the OP is $12 lighter for the returned check fee.

Knowing how some people are, I wouldn't even bother cashing some people's checks given as gifts....what a rotten thing to do, put the receipient in such a spot,, to be charged for someone's bounced check, then, be expected to tell them about it, especially a newly married couple with a bunch of bounced checks! Start off married life in the hole and it also affects their credit
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Old 09-24-2014, 03:23 PM
 
Location: Long Island, NY
7,846 posts, read 10,765,893 times
Reputation: 9197
Quote:
Originally Posted by Wmsn4Life View Post
I have had this happen once. My bank waived the fee. Of course, they don't advertise it.

Yes, you had it happen "once" and you probably asked your bank to reverse it. They're not going to "just do it".
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