Yes, both parties are responsible for any checks written on a joint account. When the checking account was opened, the paperwork signed by both signers basically stated that both people would maintain and be responsible for the account * It depends upon what the original signature card that was signed when the account was opened. Generally only the party who wrote the check is responsible for NSF unless it is a married couple who reside in a community property state. Be that as it may, both will likely be penalized in regards to fees and service charges.
No you cannot.
Whoever wrote the check is responsible for the amount of the check, penalties, and all legal consequences.
No, the account is closed.
If the check was knowingly written against a closed account or an account with insufficient funds, yes.
It is definitely illegal to write a check on an account that you know is closed. This can put you in prison.
Then you are commiting a crime known as check kiting.
Your friend should phone, or visit, her bank branch. Only they can say why the supplier thinks that the account is closed.
No. If the account is now closed, there is no money there available for the bank to pull out and give to you. Your only recourse, is to see if the person/business who wrote the check originally will give you a NEW check for the same amount if you give them the old check (showing them that it was never cashed.)
You may be fined by the bank for writing a check on a non-existent account. Plus, the person to whom you gave the check can sue you for the money and for which you can be arrested and jailed. Writing a check on a closed account is illegal and you can be jailed for the same.
Yes, if you knew that it was closed then your intent was to defraud whoever it was that you wrote the check to.
go to the bank and ask
A check disbursement is a check written on a specific account to pay for something else. For example, a check written from your savings account to pay for your electric bill.
Writing a check on a closed bank account in Michigan is considered a felony offense. A person may be sentenced to up to 2 years in prison and/or $500 in fines.
If the mode of operation of the account is jointly by you and your husband in this case he can not closed the account. If the mode of operation is either or survivor, in this case your husband can close this account and you can not claim anything from bank.
It means the account that the check was drwan on has been closed. Whoever wrote the check went to the bank, closed the account without providing a list of outstanding checks, and took whatever cash was left in the account. Unfortunately it makes the check you're holding worthless... but if you are located in the US (not sure about other countries) it is considered bank fraud and is a federal offense. Contact an attorney.
To collect on checks that are drawn on a closed account, you have to take the check-writer to small claims court and get a judgment. The check is considered a contract.
Actually such a scenario wouldn't occur. When a bank account is closed, the bank would release all the funds held in that account to the account holder on the same day the account is closed. Even if they can't do it immediately, they would have sent a check to the customer by post/mail. Banks cannot hold on to the funds of a bank account that was closed. It is mandatory for them to return the funds to the customer once his account is closed.
Fraud is certainly a crime. If you do so fraudulently, it might be a felony (whether it is or not may depend on the amount of the check). If you do so accidentally (the account was closed and you didn't know about it at the time; maybe it was a joint account and your spouse closed it without telling you, or maybe the bank closed it for some inscrutable reason of their own) it's embarrassing, but probably not an actual crime as long as you make the check good as soon as you discover your error.
I went to my bank to get check to pay my rent for the month. The bank accidentally gave me a check from an account which was closed over 5 years ago instead of my active account. I didn't notice the account number on the check. So I used that check to pay the rent, but the check bounced because it was from a closed account. Now the apartment company billed me $140 because of the bounced check. Should the bank have to cover that $140 bill because they are the one's that made the mistake with the check?
Writing a check on a checking account that is closed/inactive is a crime. Customers are not supposed to do that and if they do, the bank can report it and take legal action against the offending customer. The customer can be fined or jailed for doing so.
If you knowingly deposit a check from an account that is closed, you are committing fraud. Because the bank is thinking that you are trying to inflate your account with money that isn't there, a process that is known as check kiting.
If you paid an account with a check and received a receipt that you had paid that account, your part of the transaction is finished. What they do with the check after you walk away with the receipt is their responsibility.
No. Only an account holder can check his/her bank account. If anyone else gains access to your account without your written consent, it is illegal.