What is a primary factor in determining a no account check charge?

The primary factor in determining a no account check charge is that the check is written on a closed account. When a check is drawn from an account that has been closed, the bank cannot process the check, resulting in a no account status. This is an important aspect because it signifies that the issuer of the check no longer holds an active account with the bank from which the funds are supposed to be withdrawn.

Other factors such as the status of the issuer (individual or business) or the payment method (ink signature) may have relevance in various contexts but do not directly define a no account check. Additionally, the amount of the check can impact fees or policies, but it does not fundamentally change whether the check is valid based on the account status. Thus, the core definition revolves around the account being closed, leading to the categorization of the check as a no account check.