Check 21 Act

• Under the Check 21 Act, banks can process the checks they receive from customers electronically by sending a digital image to the other bank for immediate approval.
  
  

Bounced Checks

• When a cashed checked bounces, the account holder is ultimately held responsible for the amount due. But the check cashing location or bank will most likely go after the person who cashed the check to cover the amount due. Then, the person who cashed the check will have to go after the person or company who wrote the check.
  
  

Check Clearing Policies

• Banks are required by law to disclose the order in which checks that you write will be cleared. Some banks cash the largest checks before the smallest, which could result in excessive overdraft fees.
  
  

Bad Checks

• You can be arrested for writing bad checks that you have no intention of covering.
  
  

Credit Card Information

• A merchant, bank, or check cashing business cannot require that you write your credit or debit card number on a check in order to cash it.