Reasons for Check Bounce – All reasons with explanation

have the bounced check it is a recurrent situation, which can occur for several reasons, from irregularities in the filling or lack of funds for the creditor to cash the check, for example.

On that occasion, the check is returned to the buyer so that he can settle the pendencies, subsequently, deliver a new check sheet or present what was returned, with the relevant amount referring to the disposition for the discount in your checking account.

When this type of episode occurs, the institution that received it must note on the back of the check the reason for return so that the issuer is aware of the transaction.

Below we list the classifications and the check bounce reasons.

1. In case of check without provision of funds:

Check Reason 11: Bad check - first presentation
Check Reason 12: Bad check - second presentation
Check Reason 13: Account closed
Check Reason 14: spurious practice

2. In case of impediment to payment:

Check Reason 20: Check suspended or revoked due to loss, theft or theft.
Check Reason 21: Check stopped or revoked
Check Reason 22: Divergence or insufficiency of the signature
Check Reason 23: Checks issued by entities and bodies of the direct and indirect federal public administration, in violation of the requirements contained in art. 74, § 2, of Decree-Law no. 200, of 2.25.1967
Check Reason 24: Judicial blocking or determination of the Central Bank of Brazil
Check Reason 25: Cancellation of the checkbook by the bank
Check Reason 26: Temporary transport failure
Check Reason 27: Unforeseen municipal holiday, outside the calendar
Check Reason 28: Check suspended or canceled due to theft, robbery or loss.
Check Reason 29: Check blocked due to lack of confirmation of receipt of receipt by the account holder
Check Reason 30: Theft or robbery of pouches
Check Reason 70: Provisional suspension or revocation

3. In case of check with irregularity:

Check Reason 31: Formal error such as lack of issue date, lack of signature, lack of value in words, etc.
Check Reason 33: endorsement divergence
Check Reason 34: Check presented by an establishment other than the one indicated in the crossing, without the endorsement-mandate.
Check Reason 35: Fraudulent check, with adulteration of the withdrawn square

4. In the event of improper presentation:

Check Reason 37: inconsistent record
Check Reason 38: Missing or invalid digital signature
Check Reason 39: non-standard image
Check Reason 40: invalid currency
Check Reason 41: Check presented to participant other than recipient
Check Reason 42: Check not redeemable in session or clearing system in which presented
Check Reason 43: Check previously returned by paragraphs 21, 22, 23, 24, 31 and 34 cannot be resubmitted due to the reason for the return persisting
Check Reason 44: Expired check (when 30 days have elapsed from the issue date if issued in the place where the withdrawing Bank is located and 60 days when issued in another place)
Check Reason 45: Check issued by an entity obliged to handle and use National Treasury financial resources through a bank order
Check Reason 48: Check over BRL 100.00 without indicating the beneficiary
Check Reason 49: Null remittance, characterized by the presentation of a check returned by paragraphs 12, 13, 14, 25, 35, 43, 44 and 45, and the return may occur at any time

5. In an act of improper issuance:

Check Reason 59: Missing or inconsistent essential information not verifiable by the sending participant and not included in reason 31
Check Reason 60: Undefined monetary standard
Check Reason 61: Non-refundable document, and may be returned at any time
Check Reason 64: Unprocessed or partially processed logical file
Check Reason 70: Provisional suspension or revocation

6. Actions to be used directly by the contracted financial institution:

Check Reason 71: Contractual default by the credit union in the compensation agreement.
Check Reason 72: Terminated compensation agreement (credit unions).

See too:

• How to protest a check?
• Interest a.a – What does it mean
• BV Financeira Personal Loan: How To Do It, Simulation, Calculation