Overview of Dishonored Checks Due to Insufficient Funds (July 2026)

I. Check Clearing Volume and Value
In July, the number of checks cleared totaled 4.3 million, representing a month-on-month decrease of 11.14%. The total value of checks cleared amounted to NT$1.15 trillion, a month-on-month decrease of 1.21%.

These developments primarily reflected a decrease of 1 month-end peak day¹ compared with the previous month, leading to a decrease in both the volume and value of checks cleared (see attached table).

II. Dishonored Checks Due to Insufficient Funds
In July, the gross number of dishonored checks due to insufficient funds totaled 3,202, accounting for 0.08% of the total number of checks cleared. This represented an increase of 0.01 percentage point from the previous month.

The gross value of such dishonored checks amounted to NT$3.4 billion, accounting for 0.29% of the total value of checks cleared. This represented a decrease of 0.01 percentage points from the previous month.

These developments primarily reflected a decrease in the number of dishonored checks issued by accounts with a high aggregated value of dishonored checks.²

III. Analysis by Account Type
In July, the share of dishonored checks attributed to corporate accounts in terms of volume decreased by 1.23 percentage points from the previous month. The share of the value of dishonored checks attributed to corporate accounts increased by 9.67 percentage points month on month. The shares for personal accounts moved in the opposite directions by similar magnitudes.

Notes:1. Check clearing activity typically peaks at the end of each month, referred to as “month-end
              peak day.” July had 1 such peak day, compared with 2 in the previous month.
          2. Accounts with a high aggregated value of dishonored checks refer to those whose dishonored
              check values amount to NT$100 million or more.
          3. The next press release is scheduled for September 24, 2026, at 4:20 PM.