Check kiting is an illegal scam, that is used with two accounts. If you have two checking accounts—one is in bank “A” and one is in bank “B” and there you don’t have any money in bank “A” but you write a check on the account for $500 and deposit it in the account at bank “B.” You then tell the teller at bank “B” that you want to withdraw $400. The teller gives you $400 in cash and you disappear before the check bounces. This is an excellent way to end up on ChexSystems list—and never get off it! You may also be prosecuted because it is a crime. Avoid check kiting at all costs (and not just to stay off the ChexSystems list!).
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