Same as mickyc, I charge $30. My bank charges me $15 so I technically "make" $15 for the inconvenience. They are asked to pay in cash from then on. I have had it happened twice (one was NSF and one the mom stopped the transaction but let me know...she was having issues with her bank. She paid me in cash that day and also the fee) I allowed her to use cheque still but she usually paid in cash though.