A person with a bank account writes a bad check (also known as a non-sufficient funds or NSF check) when he deliberately or with knowledge writes a check for an amount of funds he knows are not available in the account. The crime of writing a bad check may also occur when a person writes a check on an account that has been closed. Another bad check scheme that may result in criminal charges occurs when an account holder writes a check for an amount in excess of the funds in the account, and deposits the check in a second account (often at a different bank)—and then withdraws the funds from the second account before the check is presented to the first bank for payment.
Bad check laws vary from state to state, and are usually located in the state’s penal or criminal code (statutes). Banks and criminal prosecutors recognize that a person can inadvertently write a check for more than the funds on deposit in their account, and not every instance will result in criminal charges. But many state laws have an expansive definition of the required knowledge or deliberate intent to write a bad check, and a criminal prosecutor does not have to prove a defendant charged with a bad check offense knew exactly how much money was in the account when the defendant wrote the check to prove the defendant knew he was writing a bad check or deliberately wrote a bad check.
In Ohio, writing a bad check, also known as issuing a check with non-sufficient funds (NSF), is addressed under Ohio Revised Code Section 2913.11, which covers 'Passing bad checks.' A person can be charged with this offense if they knowingly write a check for an amount of funds that are not available in their account, or if they write a check on an account that has been closed. The law also covers situations where an individual writes a check with insufficient funds and then deposits it into a second account, attempting to withdraw the funds before the check is processed. While not every instance of a bounced check is considered criminal, Ohio law does not require the prosecutor to prove the exact knowledge of the account balance at the time the check was written. Instead, it is sufficient to demonstrate that the individual had a reason to believe there were insufficient funds and still proceeded to issue the check. The severity of the charge can range from a misdemeanor to a felony, depending on the amount of the check and other circumstances.
