The charge cannot go through BUT if you bounce checks including echecks on a closed account you could be civilly or even criminally liable. Does anyone ever prosecute you for this? Sure, all the time, but I haven't seen it happen in this sort of context yet.

Bad check laws in most states carry the assumption that if the check bounces, you had the intent to defraud the payee when you issued it.

In some states like Nevada the D.A. goes after even one bounced check. In others, a pattern of bouncing checks needs to be present before criminal action is taken.