returned check

简明释义

退回支票

英英释义

例句

1.The landlord charged me a fee because my last rent payment was a returned check.

房东对我收取了费用，因为我上一次的租金支付是一张退票。

2.If you receive a returned check, you may need to contact the issuer for clarification.

如果你收到一张退票，你可能需要联系出票人以获取澄清。

3.I had to pay my bills in cash after receiving a returned check from my bank.

在收到银行的退票后，我不得不用现金支付账单。

4.The store policy states that they will not accept a returned check again.

商店政策规定，他们将不再接受退票。

5.The bank notified me that my payment was delayed due to a returned check.

银行通知我，由于退票，我的付款被延迟。

作文

In today's financial landscape, understanding various banking terms is crucial for effective money management. One term that often causes confusion is the returned check. A returned check, also known as a bounced check, occurs when a check cannot be processed due to insufficient funds in the account of the person who wrote it. This situation can lead to several complications, both for the check writer and the recipient. When a check is written, the sender expects that the funds will be available in their account to cover the amount specified. However, if the check writer's account balance is lower than the amount on the check, the bank will not honor the transaction. Instead, the bank will return the check to the payee's bank with a notification indicating that it has been returned. This process can be frustrating, especially if the payee was relying on those funds for immediate use. For the check writer, receiving a returned check can result in various penalties. Most banks charge an overdraft or non-sufficient funds (NSF) fee, which can range from $25 to $35 or more, depending on the institution's policies. Additionally, if the check is not addressed promptly, the payee may take further action, such as charging late fees or pursuing legal action. It is essential for individuals to keep track of their account balances and ensure they have enough funds before writing checks to avoid these issues. On the other hand, for the payee, a returned check can disrupt their financial plans. If they were counting on the payment to settle bills or make purchases, they may find themselves in a difficult position. In some cases, the payee might choose to redeposit the check after the check writer assures them that the funds will be available soon. However, this is a risky decision, as there is no guarantee that the funds will be deposited in time. To prevent the occurrence of returned checks, both parties can take proactive measures. For check writers, it is advisable to maintain a buffer in their accounts to cover unexpected expenses. Regularly monitoring account balances through online banking can help avoid the embarrassment of a bounced check. Additionally, using alternative payment methods, such as electronic transfers or credit cards, can provide more security and reduce the reliance on checks. For payees, it is wise to verify the check writer's account status before accepting a check, especially for large amounts. Some businesses even utilize check verification services that can confirm whether the check writer has sufficient funds. This extra step can save time and potential financial loss. In conclusion, understanding the implications of a returned check is vital for anyone involved in financial transactions. Both check writers and payees must be aware of the risks and take necessary precautions to ensure smooth transactions. By doing so, they can minimize the chances of encountering a returned check and maintain healthy financial practices.

在当今的金融环境中，理解各种银行术语对有效的资金管理至关重要。一个经常引起混淆的术语是退票。退票，也称为跳票，发生在支票因开票人账户中的资金不足而无法处理时。这种情况可能会导致多种复杂情况，无论是对开票人还是收款人来说。当支票被开出时，发送者期望其账户中有足够的资金来支付指定的金额。然而，如果开票人的账户余额低于支票上的金额，银行将不会处理该交易。相反，银行会将支票退回给收款人的银行，并附上通知，表明该支票已被退回。这个过程可能会令人沮丧，尤其是如果收款人依赖这些资金进行即时使用。对于开票人来说，收到一张退票可能会导致各种处罚。大多数银行会收取透支或资金不足（NSF）费用，这可能从25美元到35美元不等，具体取决于机构的政策。此外，如果支票没有及时处理，收款人可能会采取进一步行动，例如收取滞纳金或追究法律责任。个人必须跟踪他们的账户余额，并确保在开支票之前有足够的资金，以避免这些问题。另一方面，对于收款人来说，退票可能会打乱他们的财务计划。如果他们指望这笔付款来结清账单或进行购买，他们可能会发现自己处于困境。在某些情况下，收款人可能会选择在开票人向他们保证资金很快可用后重新存入支票。然而，这是一个冒险的决定，因为没有保证资金会及时存入。为了防止发生退票，双方都可以采取主动措施。对于开票人来说，建议在账户中保持一定的缓冲，以应对意外支出。通过网上银行定期监控账户余额可以帮助避免跳票的尴尬。此外，使用电子转账或信用卡等替代支付方式可以提供更多安全性，并减少对支票的依赖。对于收款人，明智的做法是在接受支票之前核实开票人的账户状态，特别是对于大额支票。一些企业甚至利用支票验证服务，可以确认开票人是否有足够的资金。这一步可以节省时间和潜在的经济损失。总之，理解退票的影响对于任何参与金融交易的人来说都是至关重要的。无论是开票人还是收款人，都必须意识到风险并采取必要的预防措施，以确保交易顺利进行。通过这样做，他们可以最大限度地减少遇到退票的机会，并保持健康的财务实践。