Since Serve and BB use very similar systems, I will add that one of my PHYSICAL checks bounced from Serve. I usually "bill pay" my daycare twice a month. They are not a registered payee, so server sends them a check. Last week we were notified that the check that I initiated on February 24th. bounced. THe daycare sent me a scan of the bounced check. It was printed by "Wells Fargo." I called everyone (Serve, Wells Fargo, daycare account) and no one seemed to know why the check bounced. Serve opened up a dispute for me and refunded the money. They also game me $25 for the bounce fee.