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Originally Posted by Cynthetiq
actually tho, if you still have any outstanding checks that have not been cashed, will not be reflected. this is why it is important to reconcile your checkbook and note any outstanding checks and hold onto those funds until the check is cashed.
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That's it in a nutshell.
Consider it a $28 lesson in keeping your check register up-to-date and balanced. Why shouldn't the bank charge you something to not bounce your check?