One of the biggest complaints about the new plan is the fact that with Check 21, the length of time between when a check is written and when the amount is debited from the account – the "float" – will lessen. Consumers, then, will likely bounce more checks as the processing gets quicker.
The nonprofit group Consumers Union predicts that under the new system 7 million more checks per month will bounce than do now. Supporters of Check 21 dispute that number, however.
"Don't write a check unless the funds are already in your account," advises Consumers Union. "The checks you write will clear faster, but banks aren't required to speed up the time when they make funds available from the checks that you deposit."