<table cellspacing='0' cellpadding='0' border='0' ><tr><td valign='top' style='font: inherit;'><P>Hi Barry,</P>
<P>I'm new, so I've only seen 2-3 instances and all were paid when the incident was brought to their attention;on occasion by their own banks. Most, if not all places that accept checks have visible notices regarding their establishments fee on returned checks. So we all know it's an unacceptable practice. A NSF check is a form of theft (in this case, from the Church treasury) and I feel it should be collected. And if need be, maybe the offender might benefit from a softy spoken word.</P>
<P> </P>
<P>Theodora R. Shaw</P>
<P>John Wesley UMC</P>
<P>Fayetteville, NC</P>
<P> </P>
<P> </P>
<P>On <B>Sat, 7/26/08, wmsmith1@embarqmail.com <I><wmsmith1@embarqmail.com></I></B> wrote:<BR></P>
<BLOCKQUOTE style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: rgb(16,16,255) 2px solid">From: wmsmith1@embarqmail.com <wmsmith1@embarqmail.com><BR>Subject: Re: [LCFinance] bank fees from donors' NSF checks<BR>To: "Local Church Finance Committee and Treasurers" <lcfinance@listserv.nccumc.org><BR>Date: Saturday, July 26, 2008, 6:09 PM<BR><BR>
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<DIV><FONT face=Arial size=2>Barry,</FONT></DIV>
<DIV><FONT face=Arial size=2>We have never had this problem but I would also ask the bank about dropping the charges.</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>Milton Smith</FONT></DIV>
<DIV><FONT face=Arial size=2>Brooksdale UMC</FONT></DIV>
<DIV><FONT face=Arial size=2>Roxboro, NC</FONT></DIV>
<BLOCKQUOTE style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial"><B>From:</B> <A title=blhollandcpa@yahoo.com href="mailto:blhollandcpa@yahoo.com" target=_blank rel=nofollow>Barry Holland</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=lcfinance@listserv.nccumc.org href="mailto:lcfinance@listserv.nccumc.org" target=_blank rel=nofollow>Church Treasurer-Finance Listserv</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Saturday, July 26, 2008 11:22 AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> [LCFinance] bank fees from donors' NSF checks</DIV>
<DIV><BR></DIV>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: arial, helvetica, sans-serif">
<DIV></DIV>
<DIV>What, if anything, do you typically do in response to congregation members whose offering checks are returned for insufficient funds? What if they are "repeat offenders?"</DIV>
<DIV> </DIV>
<DIV>Do you try to pass on the bank service charges to them? (They're probably already getting socked by their own bank.)</DIV>
<DIV> </DIV>
<DIV>Do you send them a letter of any type -- if so, what does it say?</DIV>
<DIV> </DIV>
<DIV>I'm trying to set a standard policy / procedure for our church finance team, and I'm not sure where to fall within the spectrum between All-Forgiving Church (don't make anyone feel bad, and just eat all the bank fees) and Hard-Core Business Church (losing money due to donor irresponsibility is bad stewardship).</DIV>
<DIV> </DIV>
<DIV>Thanks in advance for your input!<BR> </DIV>
<DIV><FONT face=arial color=#407f00><EM><STRONG>Barry L. Holland, CPA</STRONG></EM></FONT></DIV>
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