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Therefore, if a debtor gives a debtor an NSF check to pay a note payment or to pay an invoice that is on account, the act generally does not fall within the bad check law.

There are both civil and criminal penalties for this unlawful act, although it is much more costly and difficult to prove a criminal case.The following question was submitted to John Roska, an attorney/writer whose weekly newspaper column, "The Law Q&A," runs in the Champaign News Gazette. The person didn’t wait to cash it like he was supposed to, and my bank paid it, which caused several other checks to bounce.Am I responsible for all the bounced check fees, since the checks wouldn’t have bounced if the bank had waited like it was supposed to before cashing it?In some states there is a criminal offense only when the bad check is given in exchange for property or for a present consideration.In other states it is a criminal offense to issue a bad check with intent to defraud or with knowledge of insufficient funds.