No one should deliberately cut off a check if they do not have sufficient balance in their bank account. In case of non-payment of the check, the person who deducts the check is found to be guilty of banking offense. The bank said in a statement.

A person who bounces the same check up to three times can be punished up to opening a bank account and taking a loan in the future. Not only that, under the Banking Offenses Act, you have to go to jail.

The check will not bounce only if the bank does not exchange it saying that the signature given to you by someone has not been matched or there is no required deposit. You must activate yourself for the check to bounce.

If the check is not exchanged, the bank employee should ask the person issuing the check to inform that the check is not exchanged on the due date of this number.

The person who cut the check was informed by the bank that the check was not cashed. However, if the check is not exchanged, the bank employee should be asked to prove that the check has bounced.

In some cases, bank employees may be reluctant to bounce a check, saying, "Ask him once." In that case, you should ask the employee.

If the bank employee refuses to bounce the check despite your request, you can go to Rashtra Bank and lodge a complaint. After filing a complaint with the National Bank, your job is done.

If the person issuing the check does not pay even after the arrest by the police, a case will be filed in the court under the Banking Offenses and Punishment Act. The court will ask you for the necessary documents, and you must submit the documents requested by the court. The court will then rule in your favor. Even if you sell the property of the person issuing the check, your money rises.

However, a check in the name of an organization or company bounces and the payment may be expedited for fear of the organization being blacklisted before applying for the blacklist. Because blacklisted people are not allowed to do any business.

Individuals, firms, companies or organizations on the blacklist will not be allowed to conduct any other type of banking transactions except depositing money in their account until they are removed from such list.

If the check bounces, such action is taken

If a person, firm, company or organization issues a check for any amount without sufficient balance in their account or the check taker returns the check for any reason other than confirming the details mentioned in the check.

1. In case of insufficient balance in the account, (1) In case of check returned without payment once, the check holder person, firm, company or institution may resubmit the check to the concerned bank or financial institution within at least two working days.

2. In case of insufficient balance in the account (2) If the amount is not paid even after that period, the check holder person, firm, company or organization may inform in writing to the bank or financial institution that the check amount should be paid. However, such application must be submitted within 6 months from the date of issue of the check.

3. In case of non-payment of check by wrong signing of the check. (1) In case of non-signature of the check issued by any person, firm, company or institution, the bank shall inform the check holder in writing about the non-signature of the check.

4. The check holder shall inform the issuing firm, company or institution through the bank / financial institution that the signature of the check has not been signed. If the issuing firm, company or institution does not sign the check correctly or does not change the check, the holder may inform in writing to the bank or financial institution that the check amount should be paid 2 working days after the first presentation of the check.

5. Upon receipt of the written information as per clause (2), the concerned bank or financial institution shall give 7 days notice to the person, firm, company or organization to issue the check except the public holiday and if the payment cannot be made within that date (lost check). (Except in case of receipt of written application for issuance of stolen or unauthorized check) The person, firm, company or organization withdrawing such check shall be sent in writing to the Credit Information Center by the issuing bank or financial institution to be blacklisted. Failure to do so will result in action being taken against the bank and financial institution as per this directive.

6. If the check is not paid by signing the check incorrectly, the provisions from (j) clause (e) to clause (i) shall be applicable to the foreign nationals who have issued checks with account in Nepali bank and financial institution.

7. Individuals, firms, companies and institutions included in the black list as per the instructions of this bank will not be allowed to open accounts (including call accounts) in banks and financial institutions. Also, banking transactions other than depositing money in the existing account of a blacklisted person, firm, company or institution will not be allowed.