Check Clearing in the Philippines

Starting January 1, 2011, you no longer have a chance to fund your check after banking hours of the day a check you issued is deposited. You can no longer fund it the next day.

For instance, if a check you issued is deposited today, and the funds in your drawee account are not sufficient, the check would be returned to your bank tomorrow before 7:30 a.m. and you would pay for penalties.

This is because banks now are required by the Central Bank to return unfunded checks not later than 7:30 a.m. the day after a check is deposited. So banks need to clear all checks deposited on the day the checks are deposited.

Depending on the policies of different banks, you may or may not have a chance to fund your check on the day your check is deposited. People with special customer relations with their banks may get phone calls if their funds are insufficient or banks may have a service where funds are automatically transferred from a savings account to a checking account if funds on the checking account are insufficient.

All in all, to make your life simpler and uncomplicated, do not issue a check if it is not funded.
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