What is a "return deposit item", and why would my bank charge me $25 for it?
When a person deposits a check into his account, that check may bounce at the bank on which it is drawn. It is then returned and the bank that took it for deposit must now reverse it. This process often has the same fee as writing a bounced check, but it can be more work for the bank to track down and reverse.
If someone wrote you a bad check, you will have that check in your next statement. You can collect it from the person who wrote it to you. Some state laws allow you to add a fee in addition to the value of the check to help make up for this. Merchants often have signs posted to this effect.
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