Final answer:
A bounced check is one that cannot be processed due to insufficient funds in the account. The check is returned by the bank, and may result in overdraft fees and other financial complications for the issuer.
Step-by-step explanation:
The term for a check that cannot be processed due to insufficient funds in the account is a bounced check. When using a check for payment for goods and services, you will need to ensure that there are enough funds in the account to cover the amount. When the store processes this check, they receive the funds transferred from your account to theirs. An overdraft occurs when you spend more money than is available in your account; some banks allow this but will charge an overdraft fee for this service. A bounced check occurs when there is not enough money and the bank rejects the transaction. It is important to avoid writing a check when funds are low to prevent a check from bouncing, which might incur additional fees and can be problematic for both the issuer and the recipient.