I've always been really meticulous (OK, kind of anal) about recording all the checks I write and balancing my checkbook with my bank statement. I never write a check without knowing there's enough money in the account. We just got another alert from the head honchos about one of our customers bouncing checks, and it disturbs me when this happens with our regular customers (ie, not the criminal element one-timers who we will never see again.) And usually they have written at least a couple of checks before we catch up with them --- I mean, how do you come in and write that second check when you know darn well the first one was no good? And you KNOW you'll be back again... like, what's the deal? We know you by name, for God's sake (and frankly, you can be a bit of a pain in the arse.) I've had people ask me to hold their check for a day or two, and we can work with them on stuff like that.
Seems to me it's just not worth the hassle -- I mean, they gotta pay attention. We're now put in the position of telling them we won't accept their personal checks any more. I know it's not my fault, but I still feel bad. We have one husband/wife regular pair who now have to come in and pay cash right out of their ATM envelope. I think I would feel kind of embarrassed. I just wouldn't let it happen.