Most are eligible for the Check Enforcement Program. These include checks returned because of:

“Insufficient ” or “Non-sufficient Funds”

 “Closed Account”

“No Account”   

 “Refer to Maker”

 Ineligible Checks

Some checks are not eligible for the Check Enforcement Program. Checks that do not qualify include:

•  Counterfeit or forged checks or checks marked Refer-to-Maker      

•  Stop Payment checks

•  Checks passed outside Albany County

•  Checks received in the mail

•  Post dated, pre-dated or altered checks

•  Agree-to-hold checks

•  Checks as payment on an open account

•  Two-party checks

•  Checks missing amount, signature or date

•  Checks taken when both parties knew there were insufficient funds at

    the time of the transaction

•  Checks older than 90 days

•  Check previously submitted to a collection agency

You may still wish to pursue these checks with the help of an attorney or in a civil proceeding.

 Follow Up

You will either receive the money due you or we’ll notify you with an explanation of why we were unable to prosecute. If we are unable to secure restitution and the check does not qualify for prosecution, it will be held in an “inactive” status – unless you request that they be returned. If we receive additional information or additional checks from the check writer in question, the check case will become active again and we will continue to pursue the case.

 More Information

We will do our best to make sure your bad checks are handled efficiently and promptly.  If you have questions about this Program or any bad checks you have submitted, call:

Toll-Free: 1-888-620-9774