Talk:Dishonoured cheque

Removal of link to Frank Abagnale

I removed the link to Frank Abagnale from the "Intentional Fraud" section, as it really doesn't add anything to the article and wasn't written very well. 216.7.32.7 (talk) 18:10, 2 June 2008 (UTC)

Bad English

Not only does this article give no reference to which countries use this terminology, but non-sufficient is bad English. Surely insufficient is the correct phrase? simonthebold 13:07, 18 September 2006 (UTC)

The one time I saw a stamp on a check it was "Not sufficient funds". At any rate, the far more common, nearly universal (Even amongst banks and buissiness), phrase is "bounced check". The House banking scandal was even referred to by some as "Rubbergate" due to the analogy. 68.39.174.238 05:14, 5 February 2007 (UTC)

I added the globalise tag to see if someone could include some non-US perspective. The term doesn't come up with a UK specific google search. simonthebold 00:07, 18 July 2007 (UTC)

I used to work at the Royal Bank of Canada, and we did call it a non-sufficient funds fee. So there's that. I think it's like 10 Items or Less... one of those terrible pieces of English that for whatever reason becomes commonplace. --99.252.0.128 (talk) 00:00, 1 October 2009 (UTC)

re: Terminology + What happens to the NSF cheque?

The term "in the hole" seems a slang expression akin to gambling like "in the red", which arguably the bank account holder might be doing with NSF cheques :) However I believe the term "overdrawn" would be more official and appropriate.

The reason I visited this article, which it doesn't contain the information for, is to to find out what usually happens with the NSF cheque. Can funds be drawn using the same cheque at a later date, when sufficient funds exist, or is the cheque simply invalidated once and for all? I would like to see the inclusion of such information if possible. Thanks. --John

Merge proposal

working at major US bank I can tell you that nsf, overdraft, unavailable or uncollected funds are different, they are actions.

nsf________________= item returned and not paid
 
overdraft__________= item paid and the resulting physical balance is negative
 
unavailable funds__= item paid and physical balance is positive but available balance is negative 
 
uncollected funds__= item returned and not paid due to deposit hold
 

they are all very different, there is no need to merge articles from each into one article,
problem number one is the average consumer doesn't learn the difference,
problem number two is that goverments (at least here is the US ) are reluctant to define these type of banking actions.

It looks as though that by combining the articles there might actually be a half-way decent article in there. I don't care which name it ends up with; I did the tags this way so there's a single discussion about it instead of three. 24.4.253.249

I worked quite hard on building the overdraft article from several different sources, and I wouldn't have a problem with the merge. But, keep in mind that there is a difference between an overdraft and a non-sufficient funds item. Typically, NSF items are returned unpaid, whereas OD items can be (and indeed are often) paid, simply overdrawing the account and creating a fee. Stile4aly 05:14, 10 August 2007 (UTC)

As Stile4aly said, there is a difference between Non-sufficient funds (NSF) and overdraft. The two amounts are normally the same at banks, but there is more options for handling overdraft charges then there is for NSF charges. There is the ability to expand the overdraft page to a larger article with options for OD charge protection. To be truthfull, if the two pages were merged, I don't think it'd be worthwhile - we'd end up with a muck of an article. Perhaps only Non-sufficient funds and unavailable funds can be merged and overdraft is left alone? Coraldayton 19:24, 19 September 2007 (UTC)

NSF and overdraft seem to go hand in hand. Many NSF checks are paid and the bank labels the fee as an NSF fee. The statement shows the item that is labeled NSF, states that the item was paid, and shows the negative account balance or overdraft of the account.

John, if I write a check from Bank A and it is deposited into Bank B, Bank B sends the check to Bank A for payment. If I do not have enough funds to cover the check and overdraft is not an option, then Bank A returns the check to Bank B. Bank B then returns the check to the individual or company who deposited it. The individual or company can make additional attempts to collect the money from the bank. When I was a bank teller, people would repeatedly come in with checks that were NSF and ask if there was money in the account to cover the check as yet. Companies also have policies as far as how many times they will re-deposit a check that was not paid.

Whether non-sufficient funds is bad english or not is irrelevant. It is the terminology used by the banks in certain parts of the US. —Preceding unsigned comment added by Pediatalk (talk • contribs) 12:54, 18 January 2008 (UTC)

One additional note on NSF returned checks. Typically after the second attempt in presenting a check for payment on a insufficient account, the check will be stamped "DO NOT PRESENT AGAIN" and a hole is punched through the check. You can then no longer try to cash this check. —Preceding unsigned comment added by 192.216.142.51 (talk) 11:19, 21 April 2011 (UTC)

Metaphorical use

Another example is the phrase "Don't let your mouth write a check your ass can't cash." (alternatively, "checks" or "body" (instead of "ass" (alteratively, "bum" or "arse" (with "drum" or "grass" to continue the rhyme))) is used to mean, "Don't make brash boasts you can't back up," and originates in urban English, being attested since the 1960s,[9] though today it's found more generally, as in the 1993 movie Dazed and Confused.

Can someone please make this sentence better? Those nested brackets are painful. — Preceding unsigned comment added by 103.38.88.50 (talk) 11:22, 24 August 2016 (UTC)

Citation 2 404

Citation 2, "Tort law in Ireland" leads to a 404 page, not the intended citation. Ellenor2000 (talk) 09:07, 24 September 2020 (UTC)