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Home >> Checks/Money Orders >> Checks You Wrote
Cashing Beneficiary Check
I wrote a check to a dentist for $975.00. I thought I had enough funds in the bank, or maybe just $30.00 less than enough to cover it, due to needing antibiotics several days prior. I bank with a small, hometown bank. This was an emergency situation.
I received a notice from the bank that the check had been returned. I immediately notified the dentist, however, he had not yet received the check, and they stated that when he received it, they would not send it again, and we had arranged for me to come into the office with a money order or cash, on a certain day, the following week.
The following week I received four returned checks, that normally would have been paid. I checked with the bank and the check that I had written to the dentist was cleared! I contacted the dentist, and he was surpised as well, and still had the note attached to my file, for me to return the following week. Every check I wrote for October has had an NSF attached to it, resulting in my mortgage check not being paid. The bank said the dentist ran the check again, but I told them there was no way, because the dentist had not even had time to have the check returned to him! Should the bank have sent me the letter that my check was returned, if they were going to go ahead and pay? The four checks that were bounced immediately following the dentist not being paid, were from the beginning of the month, immediately prior to when my social security and veteran's benefits are automatically deposited. I had the $900 still in the bank. If the dentist did not re-run the check, should the bank had taken it upon themselves to pay it, after I had made arrangements with the dentist? The dentist's office has agreed to speak with the bank.
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 To paraphrase an old saying, "what we have here is a failure to communicate effectively". Its not possible to really offer you any concrete advice without knowing exactly when the second batch of checks (the four returned after the supposed return of the check to the dentist) showed up for payment. One thing though, is that you appear not to have a good grasp of your account balance, since you seem not to have enough there to cover those four checks after the dentist's check was paid.
Checks don't get paid in the order you write them because they don't arrive at your bank for payment in that order. As for the check to the dentist, it's possible that your dentist's bank re-submitted the check to your bank without notifying the dentist of its return.
Published on BankingQuestions.com 11/10/10
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