Exactly. Which means accidentally writing an NSF cheque is not illegal. Unless it can be proven to be one of the 3 you listed, it is civil.
Which most times, that is how it happens. Someone forgets something else is coming out. Or they are some single mom who wrote a cheque for baby bonus day and it didn't go in.
If you go to a store and purposely write a bad cheque, you will be charged. I know a girl who did that and was arrested on multiple charges of fraud. This was like 30 years when stores still took cheques.
I also know a guy who disputed paypal charges as fraud when he knowingly and intentionally gave the money freely and he has been charged with fraud.
Fraud has criteria, like you pointed out and like I said. So when it is clear, with evidence then it is charged. When there is not enough evidence (the cheque is not enough, mindset plays) then it is a civil matter.
Agrue all you want... beccaue this is not an informational discussion any more. You have dug in your heels like a Trumpster!
I have first hand experience with this and did get the guy charged. Took some insistence with the cop but the charge was laid and a conviction resulted.
How do you "accdentally" write a cheque when there is no money to cover the cheque?
Not being aware of your bank balance is not a defence. Hoping that the money you are getting by the time you think the cheque will be cashed is not a defence.
A few loopholes that would put it into the civil system are putting a stop payment on the cheque, claiming a dispute, or writing a post-dated cheque.
But writing a cheque this moment, without sufficient funds to cover it IS A CRIMINAL OFFENCE.
I will re-post using another source for. your consideration, but as you say, I don't really care anymore if you still think you know better. If you are so inclined, there is a section in the article that also backs up the fact that post-dating the cheque can change the presumption such that it may become a reverse onus offence of fraud.
clg.ab.ca
Cheques Written with Knowledge of Non-Sufficient Funds (NSF)
It is an offence is the
Criminal Code of Canada to write a cheque knowing that there is not enough money in the account to cover it.
This offence is categorized as ‘obtaining something by
false pretence’. A false pretence is a statement that a fact is true, or has been true in the past, where the person making the statement knows the fact is not true. This statement can be made verbally or in writing.
In the case of a bad cheque, it is presumed that the item or service that the cheque was paying for was obtained by false pretence.
This presumption means that a Crown prosecutor does not need to prove that the person knew there was not enough money in their account for the cheque to clear.
A person is expected to know the amount in their bank account within reason.
It would be up to that person to show a court that they had reasonable grounds to believe that the cheque would clear if it was cashed within a reasonable period of time after it was written.