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Home >> Checks/Money Orders >> Checks You Wrote
Bank Error Causes Big Problems
My husband and I wrote a check to our landlord for $2200. His bank put it through for $22. Neither one of us realized that the check went through for the wrong amount, because we have most of our bills set as direct withdrawals. Three months later, they called and said that the check cleared for the wrong amount and they put it through again and it was returned, so we owe them for returned check fees, too. I called my bank and they told me the check never went through a second time. They looked at the check and were confused why it was sent through for the wrong amount in the first place. Can they send it through again or get my husband and I forNSF charges with the court?
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 If your account was only charged $22 when you intended to pay $2200, and if no adjustment has since been made to charge your account for the difference, you owe someone $2178. If your landlord hasn't yet received the $2,178, you should take steps to get that balance paid as soon as possible.
On the other hand, if your account was properly charged for $2,200 and your landlord only received $22.00, there is an error on some bank's books for which you bear no responsibility. It does not seem reasonable that you would be responsible for NSF charges or return item fees imposed by your landlord's bank, since it was probably that bank that caused the error in the first place.
The law makes the bank that encodes the dollar amount on a check responsible for the accuracy of that encoding. We can't be more specific than this without knowing exactly who paid out and received how much money.
Published on BankingQuestions.com 5/28/09
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