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A crime is committed when a check bounces due to inadequate funds in the bank account. Under Section 138 of the Negotiable Instruments Act of 1881, the payee may lodge a criminal complaint. The check issuer may face jail time after filing a criminal complaint. In India, the following paperwork is needed to register a check bounce case: Notice copy delivered to the drawer Proof of notice delivery, such as a courier receipt or registered mail receipt Original check on file The banker issued a memo to the drawer about returning a check. A document demonstrating the existence of a legally binding debt or responsibility. For writing a check against an account that has insufficient funds, the payer could face legal action. The payer may choose to reissue a check within three months, or the payee may decide to pursue legal action. If the payer issues a dishonoured check, they risk spending up to two years in prison. A check that has bounced is one for which the bank customer's account does not have sufficient funds to cover it. When a bank rejects a check, it "bounces" it back to the account holder, who is often assessed a nonsufficient funds (NSF) penalty fee.
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