It really is mortifying to the parents when they realize it. It happened to me once when I was using care because I had forgotten all about another payment coming out that same week and bounced. I went back to the provider with my tail between my legs and apologizing profusely.

From that point forward I was too embarrassed to write a cheque and used cash every week. It does happen by accident for some people. I would never have intentionally embarrassed myself like that

In my policy as a provider I write that the parents are responsible for any banking penalties and that they may be asked to pay cash from that point forward at my discretion.

It isn't an issue for me since all my parents prefer to pay cash anyways....saves me a trip to the bank