NC General Statutes

N.C. Gen. Stat. § 14-107 (2026)

Worthless checks; multiple presentment of checks

✓ current as of July 2026

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(a) It is unlawful for any person, firm or corporation, to draw, make, utter or issue and deliver to another, any check or draft on any bank or depository, for the payment of money or its equivalent, knowing at the time of the making, drawing, uttering, issuing and delivering the check or draft, that the maker or drawer of it:

(1) Has not sufficient funds on deposit in or credit with the bank or depository with which to pay the check or draft upon presentation, or

(2) Has previously presented the check or draft for the payment of money or its equivalent.

(b) It is unlawful for any person, firm or corporation to solicit or to aid and abet any other person, firm or corporation to draw, make, utter or issue and deliver to any person, firm or corporation, any check or draft on any bank or depository for the payment of money or its equivalent, being informed, knowing or having reasonable grounds for believing at the time of the soliciting or the aiding and abetting that the maker or the drawer of the check or draft:

(1) Has not sufficient funds on deposit in, or credit with, the bank or depository with which to pay the check or draft upon presentation, or

(2) Has previously presented the check or draft for the payment of money or its equivalent.

(c) The word "credit" as used in this section means an arrangement or understanding with the bank or depository for the payment of a check or draft.

(d) A violation of this section is a Class I felony if the amount of the check or draft is more than two thousand dollars ($2,000). If the amount of the check or draft is two thousand dollars ($2,000) or less, a violation of this section is a misdemeanor punishable as follows:

(1) Except as provided in subdivision (3) or (4) of this subsection, the person is guilty of a Class 3 misdemeanor. Provided, however, if the person has been convicted three times of violating this section, the person shall on the fourth and all subsequent convictions (i) be punished as for a Class 1 misdemeanor and (ii) be ordered, as a condition of probation, to refrain from maintaining a checking account or making or uttering a check for three years.

(2) Repealed by Session Laws 1999-408, s. 1, effective December 1, 1999.

(3) If the check or draft is drawn upon a nonexistent account, the person is guilty of a Class 1 misdemeanor.

(4) If the check or draft is drawn upon an account that has been closed by the drawer, or that the drawer knows to have been closed by the bank or depository, prior to time the check is drawn, the person is guilty of a Class 1 misdemeanor.

(e) In deciding to impose any sentence other than an active prison sentence, the sentencing judge shall consider and may require, in accordance with the provisions of G.S. 15A-1343, restitution to the victim for (i) the amount of the check or draft, (ii) any service charges imposed on the payee by a bank or depository for processing the dishonored check, and (iii) any processing fees imposed by the payee pursuant to G.S. 25-3-506, and each prosecuting witness (whether or not under subpoena) shall be entitled to a witness fee as provided by G.S. 7A-314 which shall be taxed as part of the cost and assessed to the defendant. (1925, c. 14; 1927, c. 62; 1929, c. 273, ss. 1, 2; 1931, cc. 63, 138; 1933, cc. 43, 64, 93, 170, 265, 362, 458; 1939, c. 346; 1949, cc. 183, 332; 1951, c. 356; 1961, c. 89; 1963, cc. 73, 547, 870; 1967, c. 49, s. 1; c. 661, s. 1; 1969, c. 157; c. 876, s. 1; cc. 909, 1014; c. 1224, s. 10; 1971, c. 243, s. 1; 1977, c. 885; 1979, c. 837; 1983, c. 741; 1991, c. 523, s. 1; 1993, c. 374, s. 2; c. 539, ss. 45, 1182; 1994, Ex. Sess., c. 24, s. 14(c); 1995 (Reg. Sess., 1996), c. 742, s. 11; 1999-408, s. 1; 2013-244, s. 4; 2013-360, s. 18B.14(b).)

Notes of Decisions

Cited in 29 cases, 1955–2012 · leading case: Mathis v. State of North Carolina, 266 F. Supp. 841 (M.D.N.C. 1967).

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Mathis v. State of North Carolina, 266 F. Supp. 841 (M.D.N.C. 1967). · cites it 23× “(3) G.S. § 14-107 is unconstitutional in that all its provisions are not uniformly applied throughout the state.”

Semones v. S. Bell Tel. & Tel. Co., 416 S.E.2d 909 (N.C. Ct. App. 1992). · cites it 15× “88 had been dishonored, and that unless it was made good within fifteen days, defendant would institute legal action against plaintiff in accordance with N.C.G.S. § 14-107, North Carolina’s worthless check statute.”

State v. Freeman, 302 S.E.2d 779 (N.C. 1983). · cites it 5× “§ 14-106; the exclusive application of G.S. § 14-107 to crimes involving worthless checks; the lack of a prima facie case under G.”

State v. Monroe, 349 S.E.2d 315 (N.C. Ct. App. 1986). · cites it 2× “14-106, obtaining property in return for a worthless check, or G.S. 14-107, the worthless check statute.”

Nunn v. Smith, 154 S.E.2d 497 (N.C. 1967). · cites it 3× “The act made criminal by G.S. 14-107 is knowingly putting worthless commercial paper in circulation.”

Cmty. State Bank v. Knox, 850 F. Supp. 2d 586 (M.D.N.C. 2012). · cites it 4× “1, North Carolina public policy as expressed in N.C. Gen.Stat. § 14-107, North Carolina Usury Law, N.”

Dewey Hart v. Ira M. Coiner, Warden of the West Virginia State Penitentiary, 483 F.2d 136 (4th Cir. 1973). “, N.C.Gen.Stat. § 14-107 (Supp. 1971) provides in part: (1) If the amount of such' check or draft.”

State v. Rhome, 462 S.E.2d 656 (N.C. Ct. App. 1995). · cites it 2× “N.C. Gen. Stat. § 14-107 ; N.C. Gen. Stat.”

State v. McKinnon, 242 S.E.2d 545 (N.C. Ct. App. 1978). · cites it 4× “He further contends the initial judgment referring to G.S. 14-107 remains in effect, and that the sentence imposed thereby was in excess of the maximum sentence of not more than thirty days’ imprisonment provided for in that statute.”

Cook v. Lanier, 147 S.E.2d 910 (N.C. 1966). “14-106 and G.S. 14-107. Whereupon justice of the peace Pharr issued a warrant for the arrest of plaintiff on the charge set forth in Perry’s sworn complaint, and plaintiff was arrested by the sheriff of Cabarrus County by virtue of the warrant.”

State v. Jackson, 90 S.E.2d 507 (N.C. 1955). · cites it 2× “The nuisance to trade and commerce of worthless cheques, condemned by G.S. 14-107, is “the giving of a worthless check, and its consequent disturbance of business integrity.”

State v. Rogers, 485 S.E.2d 619 (N.C. 1997). · cites it 4× “§ 14-106 (obtaining property in return for worthless check, draft, or order) or N.C.G.S. § 14-107 (worthless check) more specifically fit his alleged activities.”

Show all 29 citing cases →

— N.C. Gen. Stat. § 14-107(b) — 1 case

Cmty. State Bank v. Knox, 850 F. Supp. 2d 586 (M.D.N.C. 2012). “1, North Carolina public policy as expressed in N.C. Gen.Stat. § 14-107, North Carolina Usury Law, N.”

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