What are Bad Checks?

Checks which are returned to you and stamped "NSF", "INSUFFICIENT FUNDS", "ACCOUNT CLOSED" or other such stamp, are bad checks.

What can I do to minimize the number of Bad Checks I receive?

• Make it your policy to always look at the check writer's photo I.D.
• Be sure the photo matches the person who wrote the check and the signatures on the check and on the I.D. match.
• Always write the number of the identification and its type on the check.
• Get a complete, current address.
• Make sure the figure and written amounts match.
• Ask questions of the check writer if something doesn't match up or something just doesn't feel right. You are not obligated to accept a check.

What action can I take if my bank returns a Bad Check to me?

The District Attorney has recently established a Bad Check Restitution Program. Here are some of the guidelines for that program:

• The amount of the check or checks (from a single individual) must not be more than $1000 (no minimum).
• The check must have been received in Larimer County.
• The check must be submitted to the program no earlier than 31 days but within 90 days from the date on the check.
• A photo I.D. (driver's license, military I.D., state identification card) was recorded at the time of the transaction.
• The check must be deposited twice (except on a closed account).

For more information see, District Attorney's Check Restitution Program.

If your bad check totals more than $1000 or exceeds the time limit, then you may submit it to the Larimer County Sheriff's Office for investigation. Contact the DPR Unit at 970-498-5111 to request the necessary forms and information. You may also pick up forms at the Larimer County Sheriff's Office at 2501 Midpoint Dr., Fort Collins, Colorado 80525. Office hours are 8:00 a.m. to 5:00 p.m.