It is not an issue of how long a bank can report a bankruptcy. Your real concern is how long that negative information follows you around on your credit report. That answer is 7 years. What generally...
Banks That Do Not Use Chexsystems.
There are a number of banks that do not Use Chexsystems. Some use Telecheck and others use just a credit report to verify. Then there are some that do use...
I'm assuming you're just asking if how long it takes for a merchant to know if a check has bounced.
Checks are now electronically sent to their clearing houses which means they are being processed...