How many times can they resubmit a bounced check??

[sekada]

UGGGH -- I had a major snafu a couple of weeks ago in which I was double-charged for a car repair. I eventually got the money back, but not until after my mortgage (OF COURSE) check bounced. It was re-submitted, but, thanks to alllll the overdraft fees that resulted from the original overdraft, bounced again. So my understanding was a check can only be presented twice. Therefore, in order to avoid being 30 days overdue with my mortgage payment, I made another payment. Now TWO payments have cleared my account, because the original was submitted a THIRD time.

I thought there was a limit on how many times this could happen. I've got 10 transactions outstanding and I'm hosed again. But I haven't bounced a check in so long maybe the rules changed? of course, my bank (BofA) is closed today so no help there.

Can anybody help? I just got paid and the whole amount has now been used up -- terrific!

[Exile]

As I recall from my former career as a bill collector (now retired), in California a check that bounces NSF can be redeposited twice after it bounces, but most lenders won't even try it the second time. Instead, they will demand a money order or cashiers check as a replacement.

BTW if the check was returned stop payment or forged, it cannot be redeposited at all.

Hope this helps.

[mom-from-missouri]

In Missouri the limit is twice. Or at least, it used to be when I had my own business (until 2004)

[I_Found_It]

3 times total here in Conn.