Returned check Reason 35: Why does it happen? What can you do? Check it out!

Having a check bounced is a complicated and often frustrating situation. If your check bounced with reason 35, you're probably looking for answers about what this reason means and how to resolve the situation.

In this article, we'll explain what reason 35 is for a check bounce, the most common causes, and the steps you can take to prevent it. We'll also share helpful tips to help you understand how your bank account works and what to do if a check bounces for this reason. By the end of this article, you'll be better informed about how to prevent and resolve bounce issues.

What is check bounce reason 35?

Reason 35 occurs when a check is issued for an amount exceeding the clearing limit established by the bank for that account. Banks typically set limits on checks, both to protect the customer and to prevent inappropriate financial transactions, which can cause problems if the clearing limit is not respected.

This reason aims to ensure that checks are issued within the conditions previously agreed with the bank, especially when it comes to accounts that have movement restrictions.

What are the possible causes of this type of return?

A check return for reason 35 can occur in several situations, such as:

• Ignorance of the limit: The issuer may not be aware of the maximum check issuance limit for your account.
• Atypical financial movement: In some cases, a move above the standard may trigger the limit and prevent clearing.
• Change of limits by the institution: The bank may adjust the account's check limit without prior notice.

How to Avoid a Reason 35 Return

To prevent your checks from bouncing for this reason, consider the following practices:

• Know your account limit: Ask your bank what the check-issuing limit is for your account and make sure you are within that amount.
• Plan your transactions: Avoid issuing checks close to the limit and, if necessary, choose another payment method for higher amounts.
• Stay up to date with bank policies: In case of changes in check limits, the bank can notify you, but it is also a good idea to monitor the changes directly with the institution.

What to Do When a Check Returns for Reason 35?

If a check was returned with reason 35, here's what to do:

1. Check Account Limit: Check with your bank to confirm the check issuance limit and if there have been any recent adjustments.
2. Contact the Bank: If your limit is correct and the check still bounced, ask the bank for details about the return.
3. Issue a New Check or Use Another Payment Method: If the amount exceeds the allowed limit, opt for bank transfer or other methods.
4. Notify the Beneficiary: Inform the recipient of the returned check about the incident and explain how payment will be made.

What are the Other Reasons for Check Returns?

Some of the most common reasons include:

• Reason 11: Insufficient funds — there is not enough money to cover the amount of the check.
• Reason 12: Stopped check — the issuer canceled the check.
• Reason 21: Out of date check — the check was presented after the validity period.
• Reason 22: Signature discrepancy — the signature does not match the one registered with the bank.
• Reason 31: Formal error — failure to complete a mandatory field.
• Reason 35: Check over clearing limit — the amount exceeds the limit set for the account.
• Reason 37: Blank check — the check was issued without all required fields being filled out.
• Reason 44: Account Closed — The check was written against an account that has been closed.
• Reason 48: Check already cleared — the check was presented more than once.
• Reason 59: Data mismatch — the check does not match the account type.
• Reason 113: Signature mismatch — the signature on the check does not match the one registered with the bank.

Understanding why checks bounce can help you avoid future problems and ensure your transactions are safe and efficient.