when I was working for various banks, the bank had 48 hours to accept or reject a check. If it didn't and the check bounced, it ate the check. Sometimes it would try to send the check back and see if the customer would resubmit it and it would have another 48 hours to reject the check.

I would be interested if this is still true and the banks are trying to bully the customer into repaying the amount.

Diana