An individual that writes checks with insufficient funds in their account will certainly incur bank fees and transactions costs but may not have their check returned or bounced.  If a check is written and presented with insufficient funds in the account, a bank can either return the check unpaid or they can pay the check. 

A bounced check is a check which is returned by a bank because the checking account holder that issued the check does not have sufficient funds on deposit.  An overdraft occurs when the account holder has insufficient funds in the account but the check is still processed by the bank and paid.  Whether the check bounces or not will depend on the overdraft services offered by the bank and how the account is established. 

Banks will generally offer two forms of overdraft coverage in order to honor a check on account that has insufficient funds, courtesy overdraft coverage sometimes referred to as standard overdraft practices and overdraft protection.  With courtesy overdraft coverage through a bank, checks processed by the bank that do not have sufficient funds will be paid at the sole discretion of the bank.  If an account has insufficient funds but the checking account has overdraft protection, the bank will automatically pay the check. 

In either case, bank fees will usually be assessed to the account holder.  Returned item fees apply to the accounts in which the check is not honored and bounces.  Overdraft fees will apply to accounts that have overdraft protection and the check is paid by the bank.

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