Ahhh this puts a new spin on things ...... I wouldn't put up with that either... And I certainly wouldn't let her bank days from last year. Perhaps send out a memo that they have one calendar month to alter cheques/ bring new cheque/ whatever or they lose the credit. Use it or lose it. you right money and inconvienence motivates people...you need to start inconvienencibg her..... Maybe post a reminder on your door a few days before a scheduled closed day .... I wouldn't take that crap