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Demand Letter for a Bounced Check

A bounced check can create civil and, in some cases, criminal exposure. A formal demand letter records the amount, the check details and a clear deadline for payment before you escalate.

What to prepare

  • Payor and payee full names and addresses
  • Check number, date, bank and amount
  • Reason for dishonor, if known
  • Payments already received and the remaining balance
  • Payment deadline and accepted payment methods

Good to know for this situation

  • Attach a copy of the check and the bank’s dishonor notice if you have them.
  • Keep the tone factual. Threats or harassment can weaken your position.
  • Send the letter by a method that gives proof of delivery.
  • For large amounts, consult a lawyer about the civil and criminal options.

Template only, not legal advice. Checked 2026-11-11.

Questions

Is a bounced check a criminal case?
It can be, depending on the circumstances and the applicable law. A demand letter is often a prerequisite or evidence of good faith; consult a lawyer.
Can I charge penalties?
Only if the agreement or the law provides for them. State the basis clearly in the letter.
What if the payor ignores the letter?
Keep proof of delivery, then consider small-claims court or a lawyer depending on the amount. The letter becomes part of your evidence.

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