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How to regularize a check without provision?

Verified 26 November 2020 - Directorate for Legal and Administrative Information (Prime Minister)

You can regularize a check without provision, that is, a check rejected by your bank, by blocking a sufficient amount in your account or by paying directly to the recipient of the check.

Rejecting a check by your bank for insufficient funds is a payment incident.. You will have to pay a fee.

You can regularize the situation as soon as your bank informs you of the incident.

Bank Preview

Before rejecting the check, the bank sends you a warning letter.

It asks you to put money into your bank account in a short time (usually within 7 days).

The letter shall indicate the number, amount of the check in question and the balance of the account at the date of presentation by the beneficiary.

You then have all the information to evaluate the amount of the payment to be made to regularize the situation.

Regularization procedure

You can regularize the situation by paying the beneficiary of the check by other means of payment (for example: in cash).

Once the payment has been made, you must recover the initial check from the beneficiary. Then present the check to your bank to prove the payment of the sums due.

If you cannot recover the check, you must refer the matter to the judge in order to have him note the regularization of the account.

You can also ask the payee to represent the check after you have blocked a sufficient provision. To do this, you must send a letter to your bank to block any amount paid into your account until you reach the check amount. Send a copy of the mail to the recipient of the check.

The blocked amount becomes available again after 1 year after the hold if it has not been used to pay the check.

Warning  

if the bad check has not been settled within the time limits indicated in the bank's warning letter, you may become banking..