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Writing a check that has insufficient funds to cover it is actually a criminal offense. However, to be prosecuted for it realistically, you probably have to be doing it repeatidly and intentionally.
A bank does NOT have to pay a check that does not have funds to cover it and if they deny payment your problem is with whom you gave it to. (The bank may charge you a fee for even having to deny the check).
They may pay it even though you don't have funds, as a customer accomadation...especially if your a known bank customer and it appears to just be a mistake...forgetting to move funds over or such. In which case, apologise profusely, thank them for covering you, and deposit the needed $ ASAP...probably get hit with a fee too.
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Becomes a negative.
