@HoneyLynn_G

Please note there is Never a JE for this, because you avoid JE for Names. and you just bypassed the reporting for the Customer, and if that is Donation, a JE does not provide for using Items.

The Banking is addressed like this:

You use Banking Menu > Write Check. You don't need a payee and this is not a real check. List here the Item, such as your Tithing or Donation Item. This is the Offset for the amount that bounced; put NSF in Check #. Now this entry and the Deposit clear against each other to the total Actually deposited, or this matches the Bounded amount the bank took out separately and later. So, the Check Entry is the Financial Placeholder that is the opposite of the original Donated amount and removes the banking, meeting your Two Requirements.

Then, the replacement check is a New donation. The fee is a Fee Income for you, so you need Two Items on the Sales Receipt for that replacement payment.

And in your accounting, for Donation, you see, for example:

$100 in

My $50 Bounce

My $50 replacement

= $100 still, is all that happened for Donation.