To track insufficient funds checks returned from the bank, add an Ignore function activity to the fund. This is usually inserted within the miscellaneous activities group.
If you want to charge a bounced check fee, add a group with a charge, payment, and balance.
In the Rates/History/Keywds window, change the individual's regular donation posting to the activity type Ignore.
The program ignores this amount when calculating the total amounts due and paid but tracks the item in the Recap/Totals window.