When you write a check, you are telling your bank, "Hey, bank, send money to here". If you have the money, and "here" exists, they send the money.
The bank doesn't have the liberty to say "We don't think you should be sending money to there". The federal courts and the treasury can, but that's a high hurdle and basically means "there" is under investigation for crimes.
What the bank CAN do is say "you don't have that money", or "we don't think you're actually you". The latter case, they have to ask you "hey, did you authorize this?" and if you did, they send it through. But compared to credit cards, banks tend to be more fast and loose about sending transactions through as long as the balance is okay. They simply don't care too much.
To put it another way...
When you write a check, you are telling your bank, "Hey, bank, send money to here". If you have the money, and "here" exists, they send the money.
The bank doesn't have the liberty to say "We don't think you should be sending money to there". The federal courts and the treasury can, but that's a high hurdle and basically means "there" is under investigation for crimes.
What the bank CAN do is say "you don't have that money", or "we don't think you're actually you". The latter case, they have to ask you "hey, did you authorize this?" and if you did, they send it through. But compared to credit cards, banks tend to be more fast and loose about sending transactions through as long as the balance is okay. They simply don't care too much.