Under criminal penalties, you can be prosecuted and even arrested for writing a bad check. Civil penalties - those that address how much bad check recipients can collect to cover returned check fees and other charges - can often exceed the amount of the original payment. There are different laws in each state that outline what regulations they have for bounced checks, both for civil and criminal penalties. Not only will you likely have to pay a fee for depositing a bad check but, if you’ve written checks using the money you thought you added, they’ll likely bounce.
Someone writes a check to you, you deposit it and it bounces. Your bank indicates a balance that includes available overdraft protection (see below) rather than your actual balance. Your debit card is used by a thief (or maybe a friend or relative who decides they need your money more than you do). 
Your bank or credit union makes a mistake and your account shows less money than it should. You write a check expecting to be able to make a deposit before it clears, or simply knowing you don’t have the money to cover it. Your spouse forgets to tell you they used the debit card (tied to your checking account). Forgetting to enter a purchase or automatic withdrawal in your checkbook, so you think you have more money in the account than you do. There are lots of ways to bounce a check, including: Digital substitutes can now be presented instead, so your payment can clear within a few hours instead of a few days. They occur more frequently today thanks to electronic check clearing, which means banks don’t have to actually process the physical paper copy. Even worse, they can result in criminal prosecution or even cost you the job you want. They’re also referred to as rubber or non-sufficient funds (NSF) checks and are an expensive hassle that may cause the account you’re trying to pay to go to collections and hurt your credit scores for years to come. 
Bounced checks occur when the promise to pay that you’ve signed can’t be processed because you don’t have enough funds in your checking account.
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