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Home >> Checks/Money Orders >> Checks You Wrote
What is 'checkAGAIN'?
I had a check returned as NSF. When it was returned to my bank, it was paid. Now two weeks later, a company called checkAGAIN sends through a check they made with my information on it for $30 to cover the NSF check. I did not authorize them to use my information and send the check through my account at their discretion. It was one day before my payroll deposit and it bounced. I don't think I should have to pay it, and I do not have, and do not want, overdraft protection. What is this place called checkAGAIN, and can they send checks at their discretion?
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 This sounds like a service used by many retailers and others, to collect on dishonored checks. Participating retailers usually have notices posted that state that bounced checks will trigger a fee and may even provide the name of the company, such as checkAGAIN, that will be collecting it. Sometimes these notices include language such as "If you give us a check and it bounces, you give us permission to use the information on your check to charge you a returned check fee of $XX.XX."
Clearly, you did not sign the check for $30. If you did not authorize the issuance of that check, you have the right under Federal Reserve Bank Regulation CC to give your bank a statement under oath that you did not authorize the issuance of the check payable to [name of company] in the amount of $30. Ask your bank to reimburse your account.
Don't delay contacting the bank to enter your claim. You have only a short period of time to do so, probably as little as 30 days from delivery of the statement showing that the $30 check was charged to your account.
Published on BankingQuestions.com 4/20/09
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