Marsh, without fraudulent intent, wrote a check for $500 on her checking account at Mechanics Mutual Bank, where only $350 was on deposit. Marsh has no agreement with the bank regarding overdrafts. In this case the bank

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The bank may honor the check and charge Marsh's account for $500, even if the account has insufficient funds, as banks often have policies that allow them to cover overdrafts at their discretion, resulting in the account being overdrawn.

Marsh, Without Fraudulent Intent, Wrote a Check for $500 on Her