If it's a check you wrote,.....and the funds aren't there...then depending on your bank, they will either pay the check and overdraw your acct (putting you in the negative and adding all kinds of NSF fees) OR they will return the check to the company. Sometimes a company will run a check through twice before trying to contact you to collect the funds. It really depends on their policy/procedures.
I've been there........I know how it feels.
One thing you could try is maybe calling up the company and just asking if they've cashed it/sent it to the bank yet.....if they haven't, you could just let them know what's going on and that the funds may not be available........and to save you both the hassle and fees.......ask if there's any way they could hold it another week (or however long you need them to).
That might buy you some time.......but ultimately you're going to have to have the funds there.
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