Why do banks and businesses charge a returned check fee if your check doesn’t clear, but if your debit card is declined it just is declined with no fees?

Question

Why do banks and businesses charge a returned check fee if your check doesn’t clear, but if your debit card is declined it just is declined with no fees?

In: Other

Answer 1

You can still get hit with overdraft fees from a debit card. If you deposit a check, use your debit card against the funds credited from that check, and later have that check bounce you’ll get hit with an NSF fee for every one of those transactions.