Who is responsible for a bounced check the issuer or the person that cashed the check?

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2026-04-12 10:05

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The maker of the check is always responsible for a check bounced due to insufficient funds but was otherwise negotiable and legitimate. The payee may be held responsible if the check was not actually negotiable when cashed (meaning they should never have been paid and must therefore return the payment they received).

However, that said, if you cash or deposit a check at your bank and the check is returned unpaid due to insufficient funds, your bank may recollect the funds from you. It is your responsibility to collect from the maker.

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