Can i cash a personal check if te person who wrote it has no money in his bank account?

my grandfather wrote me a check for 700$ to go to flordia with my friend for the summer. and he wrote it back in april. well the trip got moved to august. and i want to cash the check now so i can go, but i think he ran out of money in his bank account. if i go and cash the check will i still get the money, or

my grandfather wrote me a check for 700$ to go to flordia with my friend for the summer. and he wrote it back in april. well the trip got moved to august. and i want to cash the check now so i can go, but i think he ran out of money in his bank account. if i go and cash the check will i still get the money, or not?? he told me to go and cash it, i told him it might give him a debt but he said he can take care of it he really wants me ot go on this trip to have fun. but im not sure if ill be able to get the money. help please!!!

Best Answer:

Dowd: Writing a check when you know you don't have the funds in the account is fraud. Checks cash awfully fast these days so it's doubtful you can get away with it and whether or not you do, it's still check fraud.

Other answer:

Dowd:
Ignore the other comment. It's not categorically wrong, but it's out of context.

Yes, it is technically illegal to write bad checks but it was good when he wrote it. He won't get in trouble unless he strategically does it to rip off people/businesses and you'd also have to press criminal charges. If it overdrafts his account he might get a fee of $25 or $30 but it sounds like he has a plan to settle it before he incurs any significant impact.

To answer your question, it depends on the bank. If you try to cash it at the bank from which the check is drawn, they will see inefficient funds and NOT cash it. Look in the top corner of the check to look for the bank name.

If you cash it at YOUR bank (assuming it's a different bank) it could come back against you. They'll cash it but then take it back once they find out the check is bad. They could do this by overdrafting YOUR account.

In other cases, the check will go through and it will just overdraft his account.

Oliver:
Cashing a check when you know there are not funds in the account to cover it is legally fraud. At BEST, one or both of you will be hit with bank fees and ONE of you will have to pay back your bank. Any fun you have on the trip SHOULD be ruined by having to deal with the consequences of this action.
Ricki:
You can deposit it. When the check is presented for payment at his bank, if they refuse to pay it because he has no money, your bank will take the money back out and hit you with a NSF fee for that check.
Chris P:
Your grandfather has actually committed a crime by writing a check without sufficient funds in the account.

If you cash it, you will get the money – but he will be charged huge fees for an unarranged overdraft.

Judy:
no, Do you thik the bank is going to finance your vacation?

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