填空题 There are many reasons people use checks instead of cash. For one thing, checks are safe to mail. You can pay bills and buy things without worrying. There is no chance that your money will be lost or stolen. Checks are good records, too. Many banks return the checks paid out of your account with your monthly statement.
Sometimes, a bank will not pay your check because you don"t have enough money in your account. The check is marked "insufficient funds" and is returned to the person or company to whom you wrote it. If your account is overdrawn (透支), you"ll be charged an overdraft (透支额) fee. The bank informs you by mail of the overdraft and the resulting charges.

Advantages of Checks

Bank"s Actions to an Overdraft

Be safe 1

Reuse to 2 .

Pay bills without worrying.

Mark "insufficient funds" on the check.

Money in check accounts is no chance to be 3 .

Return the check and charge 4 .

Be 5 .

Inform by mail.