How to Recover Insufficient Funds Checks
- 1). Go to the bank that the check was drawn on. Speak to a teller. Provide her with your identification. Let the teller know you would like to, "Present the check for collection." The teller will key in the checking account number into her computer to see if the funds are now in the checking account. She also will check the date on the check to make sure it was not issued more than six months ago. The teller will get approval from the bank manager to issue funds.
- 2). Inform the teller how you would like the cash. You can receive a cashier's check or cash. The money will be taken from the customer's checking account. The teller will take possession of the check and return it to the customer. The customer will be informed that the check was presented for collection and her account balance is reduced as a result.
- 3). Explain the process to the customer. If the customer calls you, before she calls her bank, let her know that the check was presented for collections to cover the check, which was returned for insufficient funds.
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