What is a rubber control?

rubber control is a check that is returned because it cannot be appreciated. There are a number of reasons why the bank can return your check, including insufficient funds on the account on which it is drawn, a closed account or an administrative error. When a check is returned, a person who wrote a check is generally charged a fee and the recipient can also be charged for processing. "Bounka" and "Rubber" in slang conditions for checks that cannot be noted is a reference to the idea that the check "reflections" from the recipient to the bank and back to the recipient when the bank returns the check. Some banks allow a check to go through a small overdraft on the customer's account while others return any checks that cause the customer's account to enter a negative balance.

In some cases, someone calculates the option for writing rubkontrol. This can be done for fraudulent purposes as when someone writes a check to a closed account in order to geteating goods that can be used or sold. It can also be done in the hope that it will take advantage of the “float” advantage. Historically, it took several days for the check to clean the customer's bank account, so people could write checks when they knew they had insufficient means if the deposit was specified shortly after writing the check to cover the amount when the check was cleaned. Changes in the way of processing controls eliminated the float in many banks and made this practice less common.

There are also cases where rubber control is written innocent. Customer Bank may not be aware that the deposit has not been cleaned or may not be aware that there is a problem with an account such as a suspicious fraudulent activity that led to freezing or unauthorized withdrawal from the account. In rare cases, the bank itself will make a mistake and return the insufficient resources when the control is really good.

When the check is returned, the recipient may take measures to restore funds from the person who wrote the check. In many regioneCH is also legal to hand over fees for the processing of rubber control to the person who wrote it.

People can avoid the problem of controlling rubber using things such as cash orders and checks of treasurers that are good for the amount or by alternative payment methods. Some companies refuse to take inspections or will only carry out local checks for worry about rubber checks.