Cashing a check without funds and the bank covering it for a fee

Question:
This questioner asks. In his question, he says: If a person cashes a check for a specific amount to another person, and his balance does not cover it, and the bank covers the amount for a small fee, is this action permissible or not? And may Allah reward you with good.

Answer:
This action is invalid and riba (usury or interest), because it is a loan with an increase. The bank is closer to the one with the insufficient balance; it lent him this shortfall with an increase that it takes from him. This is the very essence of riba. The Messenger (peace and blessings be upon him) said: . This is a loan that brings benefit, which is the increase. So the bank did not lend to him for the sake of Allah, but it lent to him for the increase. A loan is a contract of kindness intended to assist the needy, and then he returns the equivalent without any increase. Of course.