I just wanted to add something quick on the NSF charges. My sister and I were talking this morning and she has a terrible customer who NEVER has the funds in his account. I have 13+ years in Banking so I told her that since this guy is local she can go directly to his bank and (depending how the check is made out) she can ask them to turn the check into a Cashiers check, made out the exact same way. This can save you the headache of waiting until the customers check clears, or in her case does not clear. Some banks will require that you show your business identity and prove that you are the business owner. That is if the check is made to the business name.

It gets a little harder when the client is out of state....or is not using a chain bank...

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Kristina ~Success Office Solutions
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