Most are eligible for the Check Enforcement Program. These include checks returned because of:

• “Insufficient ” or “Non-sufficient Funds”
• “Closed Account”

Ineligible Checks

Some checks are not eligible for the Check Enforcement Program. Checks that do not qualify include:

• Counterfeit or forged checks or checks marked Refer-to-Maker
• Stop Payment checks
• Checks passed outside La Crosse County
• Checks received in the mail
• Post dated, pre-dated or altered checks
• Agree-to-hold checks
• Checks drawn on an out-of-state bank
• Checks as payment on an open account
• Two-party checks
• Checks missing amount, signature or date
• Checks for which the check writer’s identity cannot be verified
• Checks taken when both parties knew there were insufficient funds at the time of the transaction
• Checks older than 180 days