Effect not yet cleared
Not sufficient fund
Payee's endorsement required
Drawer's signature differs.
Alteration requires full signature
Cheque post dated
Amount in words and figures differ
Technical reasons like
Signature not matched
editing the cheque
incorrect info or less info on check, which was supposed to be filled in.
Date should be within 6 months, not more than 6 month because cheque validity is only upto 6 months.
------***------, This are the reasons, which is known to me, if someone knows more and precise answer than this than you r most welcome.
According to my 2 months experience as an internee in a bank the bank dishonors the cheque due to fake signatures and the person who is the payee if not present and send other unauthorised person to encash the cheque.
If amount on cheque is more than claims.
Mic OGOBUCHI...a bank can dishonour a cheque if the payee acts suspiciously.also if there is no specification on the amount to be paid.some one can say something better.
There is only one real reason a bank will consistently not honor a check.(I am talking about the issuing bank). If the issuing bank cannot determine the account number, it will not honor the check. Even an insufficient balance will not cause a check to be returned. Many banks will honor the check depending on the customers history and various other factors.
All the other reasons may be true in theory, but in these days of automation and enormous check processing volumes, they are not reality.