Connecticut Laws Regarding a Bounced Check

by Jack Ori ; Updated July 27, 2017

If a person writes a check without sufficient funds in an associated account to cover it, the check will bounce, or be returned for insufficient funds. Each state has laws regulating how merchants may respond to bounced checks. In Connecticut, the merchant may file a civil suit and press criminal charges if the check writer does not reimburse him for a bounced check after the merchant has sent several notices regarding the matter.

Posted Notice Requirement

Merchants and other business owners who accept checks must post a notice where customers are likely to see it warning them of the potential consequences of writing bad checks. The notice must include the civil penalties that bad check writers may face, the appropriate Connecticut statute number and an advisory that the check writer may also face criminal penalties.

Civil and Criminal Penalties

As of 2010, civil courts may require the check writer to reimburse the merchant for the value of the check plus pay up to $750 if he has no bank account or $400 if the check is returned for insufficient funds. If the merchant chooses to press criminal charges, the bad check writer may face a fine of up to $1,000 and up to one year in jail. Writing a bad check is a felony charge if the check was for more than $1,000 and a misdemeanor if written for a lesser amount.

Required Written Notices

If a check bounces, the merchant must send the check writer a letter by certified mail at the check writer's last known address or place of business. Usually this letter is sent to the address on the writer's check. The letter must inform the writer that the check was returned; ask him to reimburse the merchant for the amount of the check; and inform him of the potential criminal or civil penalties if he fails to do so. If the check writer does not respond to the letter within 15 days of receipt, the merchant must send a second letter. This letter must inform the check writer that he has 30 days to reimburse the merchant before the merchant takes legal action against him. Both letters must be written in both English and Spanish.

Exception to Civil Penalties

Check writers in Connecticut are exempt from civil penalties for bad checks if the check was written as payment to a utility company or landlord or in payment for a debt on property that has been repossessed. Check writers are not exempt, however, from criminal penalties in these cases.

References

About the Author

Jack Ori has been a writer since 2009. He has worked with clients in the legal, financial and nonprofit industries, as well as contributed self-help articles to various publications.

bibliography-icon | raiffeisen-cards.ru icon for annotation tool Cite this Article

Related pages


calculate tax on 401k withdrawallemon law for used cars in floridaare life insurance proceeds taxable to beneficiaryopen formularyhow to put a lien on a jobwhat percentage american indian for scholarshipsvisa gift card vanilla balancehow to compute contribution margin ratiobrevard county registry of deedsmissouri unemployment benefits amountformula of pe ratiovoluntary repossession letternet worth formula balance sheethow long do you have to have sr22marginal tax rate calculation examplewhat is unrealized gainannual tax table birroth ira mutual fundsummon letter sampleibond calculatorhow do i claim babysitting money on my taxesamerican express serve withdraw moneycalculating price weighted indexlondon flats for rent weeklywhat avm stands forconditionally approvedwill my insurance cover a tummy tuckmeaning of proratedchase mobile check deposit limitfed seog grantco signer for apartment requirementsto apply for food stamps in nycw2 casdischolarships for foreign medical studentsqualifying event to cancel health insurancedun and bradstreet canadamichigan welfare fraudhud 1a fillable formusing someone else's credit card without permissionwhat caused the stock market crash 1929how to calculate marginal product of laborlaundry tax deductionwhat is vesting 401ktax free tuition reimbursementhow do i work out pro rata salarywhere is agi on w2bright futures amountgrants for cosmetology schoolkansas lien releasehow to heal abscess toothbanana republic payment addresshow to fill out a 1040ezinherited ira from spouseeecu customer service numberis federal pell grant the same as fafsadividend reinvestment formulahow to buy hud homes with no money downdifference 401k and iranon formulary medication100 vested 401keuro certificate of depositdifference between co signer and co applicantsurplus calculatorhow to calculate operating expense ratioquestions to ask tenant referencesee savings bonds taxesgemb cardscosigning on a mortgagemissouri 1099 formbumper to bumper insurance coveragewhat are exemptions on w4tenants rights mnwhen are w2 forms mailed out

Related pages


calculate tax on 401k withdrawallemon law for used cars in floridaare life insurance proceeds taxable to beneficiaryopen formularyhow to put a lien on a jobwhat percentage american indian for scholarshipsvisa gift card vanilla balancehow to compute contribution margin ratiobrevard county registry of deedsmissouri unemployment benefits amountformula of pe ratiovoluntary repossession letternet worth formula balance sheethow long do you have to have sr22marginal tax rate calculation examplewhat is unrealized gainannual tax table birroth ira mutual fundsummon letter sampleibond calculatorhow do i claim babysitting money on my taxesamerican express serve withdraw moneycalculating price weighted indexlondon flats for rent weeklywhat avm stands forconditionally approvedwill my insurance cover a tummy tuckmeaning of proratedchase mobile check deposit limitfed seog grantco signer for apartment requirementsto apply for food stamps in nycw2 casdischolarships for foreign medical studentsqualifying event to cancel health insurancedun and bradstreet canadamichigan welfare fraudhud 1a fillable formusing someone else's credit card without permissionwhat caused the stock market crash 1929how to calculate marginal product of laborlaundry tax deductionwhat is vesting 401ktax free tuition reimbursementhow do i work out pro rata salarywhere is agi on w2bright futures amountgrants for cosmetology schoolkansas lien releasehow to heal abscess toothbanana republic payment addresshow to fill out a 1040ezinherited ira from spouseeecu customer service numberis federal pell grant the same as fafsadividend reinvestment formulahow to buy hud homes with no money downdifference 401k and iranon formulary medication100 vested 401keuro certificate of depositdifference between co signer and co applicantsurplus calculatorhow to calculate operating expense ratioquestions to ask tenant referencesee savings bonds taxesgemb cardscosigning on a mortgagemissouri 1099 formbumper to bumper insurance coveragewhat are exemptions on w4tenants rights mnwhen are w2 forms mailed out
"].join(""));l.close()}catch(m){b.src=a+'d.write("'+loaderHtml().replace(/"/g,String.fromCharCode(92)+'"')+'");d.close();'}b.contentWindow.config=k;b.contentWindow.SCRIPT_ID=g},0)}}}(); window.usabilla.load("w.usabilla.com", "4a73c8c43a12"); /*]]>{/literal}*/