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A check could be declined because of any of the following reasons:
- The bank account of the check issuer has insufficient balance to honor the check and pay the funds
- The signature on the check does not match the bank records
- There is overwriting/edits in the check without proper counter-signatures
- The check has expired (beyond 6 months from date of check issue)
- The check issuer has specifically issued a stop payment request with the bank
Am not sure what code 3 means but it could only be because of any of the above 5 reasons
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∙ 13y ago
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