SMALL CLAIMS — UNITED STATES

Bad Check Small Claims Calculator

Calculate how much you can sue for a bounced or NSF check in the US, including statutory treble damages by state.

Typical NSF fee: $25–$40 per returned item.

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Disclaimer: Estimates are for educational purposes only and are not legal advice. Amounts and rules vary by province/state. Consult a lawyer for advice on your specific situation.

Frequently Asked Questions

Can I get treble damages for a bad check in the US?
Yes, in most states. Nearly every US state has a bad check statute allowing the plaintiff to claim 2–3 times the face value of the check as civil damages, in addition to the face value and bank fees. In California, Texas, and Illinois, the multiplier is 3x. Critically, most states require you to send a formal written demand letter and wait 10–30 days before filing.
What is a bad check demand letter in the US?
Most US state bad check statutes require you to send a written demand letter to the check writer before you can claim statutory (treble) damages in court. The letter must state the check amount, the bank it was drawn on, and demand payment within a specific period (usually 10–30 days). Keep proof of mailing — certified mail is best.
What is the small claims limit for bad check cases in California?
California small claims court handles disputes up to $12,500 for individuals. For a bad check claim, you can sue for the check amount plus bank fees plus treble damages (3x the check amount, minimum $100). For a $500 check, your total claim could be $500 + bank fee + $1,500 = ~$2,035, well within the small claims limit.

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