When I received a rubber check, I saw a debit equal to the amount of the check I deposited, plus $15 fee (I bank online). When I enquired about the strange fee -- did not notice that the rubber check amount was also withdrawn, since the first screen after login shows only the available balance -- I was told about check bouncing.
about the same amount of time as if you had bounced the check. depending on where you bank - you *might* get a courtesy call or a transfer from a savings account, but dont count on it.
