Then don't write the check. I work in banking and at least twice a week I talk to a customer who thinks they can just use the money like a credit card if they run the transaction as credit. All day long I see people overdrawing their accounts hundreds of dollars on dumb shit.

So why write a check if there's no funds to back it up? And also, they do this to stop people from: writing checks, getting the amount deposited into their account, spend it, and then later find out that the account the check was written from has no funds. Then what? The bank suffers. Banks do things for a reason. Don't be irresponsible with your money and maybe you'll have a better relationship with your bank.

I also work in banking and am skeptical. I see a lot of people doing fraudulent things like putting empty envelopes in the ATM but saying they deposited $200 and spending that $200 before the ATM is serviced and we realize they deposited nothing. But then the bank is the bad guy for putting holds on their ATM deposits after that. Like, you're the one who just committed bank fraud asshole, what did you expect? Or bouncing cheques and getting mad about NSF fees. Don't write cheques you don't have the money for...

#39 Do you get people who think that just because they haven't run out of checks yet that they should still have money to spend? I have a friend who thinks this way, I was kinda hoping for some advice on how to convince him to learn how checks really work.

a cheque is a promise to pay. if there is no money in the account, the promise is not upheld then there is a cost. it's like if you promise your friend something and don't do it they will be mad at you and it will hurt your relationship. it's simple, don't spend money you don't have.