It is better to keep a buffer amount of money in the account if you are a person who writes check quite often. This extra amount can save you from bounced checks as by default, all the checks that hit the account will get cashed.
What are the reasons behind check bouncing?
It is definite that when a check is provided to a payee by payor encrypting a certain date and the moment when that particular check hits the account, if that account does not carry enough funds against the check, instantly, the check will bounce. It may not be purposeful as the payer will have a notion that his account carries enough money against the check he is issuing. However, some other factors, such as automatic payment of your car loan or any different sort, have deducted the money in that particular account, and check gets bounced. It becomes faster with electronic checks rather than paper checks. For paper checks, it will take time to reach the bank, whereas automatic checks usually get cashed faster, and hence it will bounce slowly.