Yeah I was just starting to answer, meadanale, I’ll go ahead anyway…

The term “bounced check” is not new, and it has always had a negative connotation. There is a reason for that.

I was probably aware of the term and the implications even as a 9 year old in the 60’s. It wasn’t that hard of a thing to figure out.

As I recall, the fee has *always* been something like $10 per check, so counting inflation, $20 in 2010 ain’t bad.

Brian, how long do you think it would take folks to figure out not to do that again?

Further, your $20 on $2 purchase example is an almost worst-case scenario. Say it’s on a $70 tank of gas, or even a nice meal somewhere. There is a cost to loan that money, extra paperwork, extra network transactions, sarbannes-oxley likely, extra software, risk of never recouping the money, etc.