Bad Check - As the wife of a business owner, I know how frustrating and annoying it can be when you end up receiving a bad check. This happens more often than it should and can really cause some major frustrations. Often times, the person who wrote the check is incredibly embarrassed and apologetic and corrects the situation immediately. Other times, we have encountered people who cannot be reached or promise to rectify the situation and we never seem them again. We are left holding a bad check and being out the money for merchandise they purchased and in essence, never paid for. We have contemplated whether or not we should even allow our customers to write a check but we simply cannot do away with that practice. Our bank has given us some helpful tips to possibly avoid receiving a bad check but we cannot catch every single one.
I am the first to admit that I have written a check before and had to have my bank draw finances out of my savings account. However, I have overdraft protection so the only people who are inconvenienced are myself and the bank. Apparently, many people out there do not have this advantage and bounce checks left and right. I don’t mind getting a bad check if it was a mistake. If you go shopping and have no doubts that you are paying with a bad check, you deserve to pay the consequences. The state governments have started to really take action with people who are passing bad checks around without a second thought. Instead of fines, some people face jail time now.
Our bank told us that we can always refuse to accept a check from a customer. We have the right to ask for a cash payment if we simply do not feel comfortable with taking a check. Refusing to accept a customer’s payment could very well be saving us from receiving a bad check. I make a point of getting a phone number and driver’s license number at all times. I hesitate to take a check that has a low check number on it. I have on occasion refused out-of-state checks which has upset some individuals but I need to watch out for my business and cannot chance whether or not that may be a bad check. Most people have taken to paying with a check card or a credit card. When using a check card, I know that there cannot be a bad check. If there isn’t any money there, it will not allow the transaction to be completed.
A check card is a blessing for business owners. No longer do we have to wonder if we have a bad check that we’ll be depositing into our account. We will know immediately whether or not a sale can be made. I try to pay for purchases as often as possible with my own check card simply because I understand the frustrations of receiving a bad check. I am always on guard when working at the store.
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