Home Forums Hunting & Shooting Hunter's Campfire Checking account

I sent a check on Jan 7 for $500 as a deposit on a hunt.
The outfitter just called, two months later and said the check was returned to him.
There is absolutely no way there was ever insufficient funds in my checking account.
Outfitter said he would take a pic of the check and send to me.
I’m going to my bank in the morning to talk to them.

Any idea what the issue could be happening?
If he waited about two months to cash it, is that an issue?

Wouldn't think so, checks are usually good for 180 days at least.

Possible - the only people who never make a mistake - don't make anything !

Maybe you wrote 1/7/2019 on the check. We had a bank here bouncing them back to businesses all over the first few days of this year. First time I had heard of them being that picky, but you never know.

I checked it was dated 1/7/20

If there was actually " absolutely no way there was ever insufficient funds in my checking account", then just work with the guide and your bank to figure it out.

You don't even know the issue yet, why post it here?

With 1458 Campfire posts you really should know the answer to that question.

The bank knows exactly what happened, if and when the check was paid or rejected. They should be able to produce a running daily balance like a statement (I can get that over the Internet.) Banks rarely make mistakes but, like Remington bolt handles, humans are involved so it can happen. And when it's there fault it feels so good.

The outfitter just called and had resolved the problem.
Won’t bother to post that so some won’t be bothered
Thanks to those that offered their thoughts on what might be the issue.

A couple of years ago I had a $1500 check declined at Lowes while trying to pay for a utility trailer. I had over $7K in my checking account at the time. PO'd me too. I drove to the bank, withdrew $1500 and was on my way back to Lowes, but stopped somewhere else and bought another trailer.

Lowes manager claims they used a 3rd party company to verify that checks are good rather than the actual bank. They tried to place the blame on them. I don't know if something like this is a possibility here or not.

Who uses checks anymore to "buy" something?

Here on the ass end of nowhere you can see the occasional old farmer with a heavy Norwegian accent at the supermarket sign a check and give his checkbook to the cashier to fill out.

Need to make the year 2020.

Me!

On the rare occasion I buy something and don't have the greenbacks
on me to pay my bill.

OP,

Did you use a bank card around the time they tried to cash the check.

Wifey runs a gas station, has this problem often with bank card
customers. If you pay at the pump, the system has to be sure there
is enough in your account to cover what you pump. So, it will take
a decent amount (usually $100) out of your account before it
authorizes the pump.

You get $30 worth.
It keeps the whole $100.
Usually until midnight, when the systems backup.
Then it puts $70 back into your account.

It you try to clear a check in that time, that money doesnt "exist" and maybe you can't.

Insufficient funds!

Even though you "have" enough!

One more reason I use cash.

If you want a real fun time get a debit card that intermittently won't authorize for no good reason. I'm surprised more branch offices aren't shot up. The idea did occur to me...

But knowing something of the electronics involved I'm amazed those damn chip cards work at all.

Only way the outfitter could resolve a returned check on his own would be if he forgot to endorse it....lol

Bernie took your money.

that was probably why, needed to say 2020....folks could add whatever they want behind the 20. Someone wrote me a check since the beginning of the year and the bank would not deposit it. This was Wells Fargo.

I've also seen checks only good for 60 days, depends on the account or bank i guess.