Final answer:
When a customer wants to write a check for $20 over the purchase, the cashier should verify the purchase and store policies, and then accept the check option(a) while requesting identification. The store gets the money from the bank once the check is processed.
Step-by-step explanation:
When a customer asks to write a check for $20 over the total purchase, there are multiple steps the cashier can take. First, the cashier should verify the total purchase to ensure the amount requested for the purchase is correct. If store policy allows cash back on checks, the cashier can then accept the check but should also ask for identification to prevent fraud.
The cashier might also need to ensure that giving cash back does not exceed the cash drawer limits or store policy limits for cashback transactions. Additionally, the cashier may decide to accept the check if the customer is trusted and they have the authority to make that decision.
To use a check for payment for goods and services, a customer needs to have the necessary funds in their bank account, a valid form of identification and sometimes they must also meet the store's criteria for accepting checks. The store gets the money once the check is processed by the bank and the funds are transferred from the customer's account to the store’s account.
An overdraft occurs when a customer writes a check and there are insufficient funds in their account to cover the amount of the check, leading potentially to extra fees charged by the bank and the possibility of the check being declined.