A: What is this returned check fee on my statement?

B: It means you bounced a check.

A: What does that mean?

B: It means you wrote a check but you didn't have enough money in your account to cover it.

A: So my landlord never got paid?

B: No, and the bank charged you a fee.

A: So what do I do now?

B: Do you have enough money to pay your rent?

A: I do, but I think I'm going to pay in cash.

B: Your landlord may also charge you a fee for bouncing the check.

A: I need to be more careful about my spending.

B: Bouncing a check ends up costing you more money.