If a consumer's check is returned unpaid to the Cooperative because of insufficient funds, closed account, or any other reason, the consumer will be charged the current bank charge per returned item to cover the bank charges to the Cooperative and the handling of the returned item.
If the Cooperative has 2 checks from a consumer returned for any reason by the bank in any 12 month period, the Cooperative may require that all future charges be paid in cash only until such time as the Cooperative decides otherwise.