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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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I received a check and tried to cash it at the bank/credit union that holds the account on which the check was written. The bank/credit union wouldn't cash the check because they said the account did not have enough money. Can a bank or credit union do that?

Yes. If there is not enough money in the account, the bank or credit union does not have to cash the check.

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