How to Check for Bad Checks

Bad, or bounced, checks are usually written in two situations: inaccurate checking account management or fraudulent activity. You may not be aware your check has been reported as bad because you are unaware the funds are not available to cover the check due to miscalculations or documenting errors. If you think you may have written a bad check or fear someone has illegally used your account to write bad checks, you can obtain a consumer checking report to view your check writing history.

Instructions

1

Contact the bank that manages your checking account. You can do this in person, online or via telephone. After verifying your identity, you can gain access to your recent checking history and inquire about specific checks. If you are still unsure if you have any issued any bad checks, you will need to check your consumer checking report.

2

Make sure you have all of your personal information at hand. Along with your full name and maiden name if applicable, you will need your addresses from the last five years, social security number, date of birth, and drivers license number and the issuing state.

3

Visit ChexSystems via the Consumer Debit website to request your consumer checking activity report. Consumer Debit allows you to submit your request electronically and your report will be mailed within five business days. You have the right to one free consumer checking report every twelve months.

4

Accept the terms and conditions of using the site to request your consumer checking report. You will also need to verify that you are eighteen years of age or older.

5

Complete all of the necessary personal information correctly. Your current mailing address must be correct in order to receive the checking report. Once the form is submitted, your checking history report will be mailed within five business days.