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Why does my bank charge my account $4 if a check I deposit (a check that someone wrote me) bounces?


I didn't write the hot check and it's not my fault that it bounced? How do banks justify this policy?

Because they incur a charge to process your check. If the check is returned from the other bank then another "cost" is incurred to the bank. Basically, they want to discourage such activity.
Normally they charge $15.00 so you lucky its only $4.00 this way the bank makes money-its their time to process the transaction.
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