RINGWOOD, N.J. -- JBS Associates, a provider of check-guarantee services at 37,000 retailer locations, said the volume of bounced checks has risen this year.

JBS said it protected its clients from $150.9 million in bad or potentially bad checks during the first seven months of 1992, up 19% from the same period of 1991, while its volume of guaranteed checks rose only 10%

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