Letter to the Bank

Dear Sirs,

In view of what seems to be happening internationally with banks at the moment, I was wondering if you could advise me... if one of my cheques is returned marked "insufficient funds," how do I know whether that refers to me or to you?

Thought this would give a few of us a chuckle...though it certainly isn't funny, is it !
On 2nd thought, maybe I shouldn't have even sent this..don't mean to offend anyone...