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What happens if the $545 check bounces?

#1 Amber824

Amber824

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Posted 07 May 2010 - 01:14 PM

I am a complete mess right now. I just checked my checking account, I had the $515 in my checking account the day they cashed the check but I had $200 in my savings account which is the overdraft protection and once the check was cashed it would take from that account as well but apparently when I opened this new account 3 months ago, they never added the overdraft protection....now I'm wondering whats going to happen to us now???? is there any way to call or pay online? Is this going to mess us up completely??? someone please help, I don't know what to do!

Oh and his GC doesn't expire until the middle of July, if this helps...
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#2 The Postmaster

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Posted 07 May 2010 - 01:17 PM

It depends on your bank. If the bank honors the check, then you are okay. If not, then the USCIS will charge you a returned check charge. Either way, your bank will charge you a fee as well, and depending on your bank, they may bounce other withdrawals you made as well.
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#3 The Postmaster

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Posted 07 May 2010 - 01:20 PM

Delayed Deposits Causes Check Expirations and Bounced Checks


The CIS Ombudsman received questions regarding checks that are bouncing or expiring because of the lengthy time between issuance and USCIS action to cash these checks. Teleconference participants were told that, if a check bounces, the USCIS is providing the applicant with 14 days to make good on the amount, charging only a nominal fee. If the check is expired, the USCIS will attempt to deposit, but if the bank refuses the check or fails to make the deposit attempt an opportunity will be provided for the applicant to issue a new check for the fee amounts that were in place at the time of filing.

http://www.murthy.co...s/n_ombrec.html
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#4 v333k

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    There's no place like 127.0.0.1



Posted 07 May 2010 - 01:31 PM

I am a complete mess right now. I just checked my checking account, I had the $515 in my checking account the day they cashed the check but I had $200 in my savings account which is the overdraft protection and once the check was cashed it would take from that account as well but apparently when I opened this new account 3 months ago, they never added the overdraft protection....now I'm wondering whats going to happen to us now???? is there any way to call or pay online? Is this going to mess us up completely??? someone please help, I don't know what to do!

Oh and his GC doesn't expire until the middle of July, if this helps...


A lot of banks will clear the check and charge the owner of the account an overdraft fee... most banks do that unless the owners opt out of this service - this is a lot of money for banks for a minor detail.

You can always call the bank and do transactions over the phone.... did you try that?
  • 0
N-400 Naturalization Timeline

06/28/11 .. Mailed N-400 package via Priority mail with delivery confirmation
06/30/11 .. Package Delivered to Dallas Lockbox
07/06/11 .. Received e-mail notification of application acceptance
07/06/11 .. Check cashed
07/08/11 .. Received NOA letter
07/29/11 .. Received text/e-mail for biometrics notice
08/03/11 .. Received Biometrics letter - scheduled for 8/24/11
08/04/11 .. Walk-in finger prints done.
08/08/11 .. Received text/e-mail: Placed in line for interview scheduling
09/12/11 .. Received Yellow letter dated 9/7/11
09/13/11 .. Received text/e-mail: Interview scheduled
09/16/11 .. Received interview letter
10/19/11 .. Interview - PASSED
10/20/11 .. Received text/email: Oath scheduled
10/22/11 .. Received OATH letter

11/09/11 .. Oath ceremony

#5 Amber824

Amber824

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Posted 07 May 2010 - 01:38 PM

Delayed Deposits Causes Check Expirations and Bounced Checks


The CIS Ombudsman received questions regarding checks that are bouncing or expiring because of the lengthy time between issuance and USCIS action to cash these checks. Teleconference participants were told that, if a check bounces, the USCIS is providing the applicant with 14 days to make good on the amount, charging only a nominal fee. If the check is expired, the USCIS will attempt to deposit, but if the bank refuses the check or fails to make the deposit attempt an opportunity will be provided for the applicant to issue a new check for the fee amounts that were in place at the time of filing.

http://www.murthy.co...s/n_ombrec.html



THANK YOU!!!!!!!!!

A lot of banks will clear the check and charge the owner of the account an overdraft fee... most banks do that unless the owners opt out of this service - this is a lot of money for banks for a minor detail.

You can always call the bank and do transactions over the phone.... did you try that?


It just now showed up on my checking account that they charged me a fee for a check, in which it showed in my account that I did not have that exact amount. So, i'm thinking that USCIS will not try and cash it again but if they do, I will have the money now, for sure! But like the above poster said, it loks like they will be giving me a letter saying how much I owe and I will have 14 days to re-send a new check...this time I will be sending a MONEY ORDER! I can't go through this again!!
  • 0

#6 rahulv

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Posted 07 May 2010 - 06:34 PM

I am a complete mess right now. I just checked my checking account, I had the $515 in my checking account the day they cashed the check but I had $200 in my savings account which is the overdraft protection and once the check was cashed it would take from that account as well but apparently when I opened this new account 3 months ago, they never added the overdraft protection....now I'm wondering whats going to happen to us now???? is there any way to call or pay online? Is this going to mess us up completely??? someone please help, I don't know what to do!

Oh and his GC doesn't expire until the middle of July, if this helps...


You should go to your bank and check with them. As far as I remember there were new rules about overdraft protection in US banking around February 2010. The banks were required to get approval from customers that the customers would like the bank to honor the check and get charged a fee. Something around those lines.
  • 0
rahul

Timeline
------------------------------------------------------------------------------------
Removing Conditions...

08/18/2011 --- ROC Package sent to CSC.
08/19/2011 --- ROC Package arrived at CSC.
08/23/2011 --- ROC Check Cashed.
02/07/2012 --- Card Production Ordered.
02/11/2012 --- Card Received.
=====================================================

#7 v333k

v333k

    There's no place like 127.0.0.1



Posted 07 May 2010 - 07:08 PM

You should go to your bank and check with them. As far as I remember there were new rules about overdraft protection in US banking around February 2010. The banks were required to get approval from customers that the customers would like the bank to honor the check and get charged a fee. Something around those lines.

That's correct. But if I remember correctly, the banks still implement the overdraft protection and the users have the option to opt out of it....

But this is a good advice - go to the bank and see if they will clear the check and the details about it. However, if USCIS saw that the check bounced - then they will not try again.. I doubt they are that diligent!

If the bank did not clear the check, then prepare yourself for USCIS to send back the package!
  • 0
N-400 Naturalization Timeline

06/28/11 .. Mailed N-400 package via Priority mail with delivery confirmation
06/30/11 .. Package Delivered to Dallas Lockbox
07/06/11 .. Received e-mail notification of application acceptance
07/06/11 .. Check cashed
07/08/11 .. Received NOA letter
07/29/11 .. Received text/e-mail for biometrics notice
08/03/11 .. Received Biometrics letter - scheduled for 8/24/11
08/04/11 .. Walk-in finger prints done.
08/08/11 .. Received text/e-mail: Placed in line for interview scheduling
09/12/11 .. Received Yellow letter dated 9/7/11
09/13/11 .. Received text/e-mail: Interview scheduled
09/16/11 .. Received interview letter
10/19/11 .. Interview - PASSED
10/20/11 .. Received text/email: Oath scheduled
10/22/11 .. Received OATH letter

11/09/11 .. Oath ceremony



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