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I had to start posting an NSF charge on all my order forms. It costs you money at your bank. So, it makes sense to at least recover that cost. Now, my way of thinking is that it also takes you time and energy then to track down that person and get it all taken care of as well. Add on something for that time and trouble. Also, make sure you get every customer's phone number who gives you a check or a credit card. You will NEVER want to call a host and tell them why you need to have that info about a customer. It's amazing what some people will spread around town.
I have the guests write their check to the host and then have the host writes one check to me. Then I dont have to deal with bad checks from the guests that I dont even know. I have NEVER had a bad check from a host in the 6 years I have sold (knock on wood). Hope this helps you out.