Returned Check

I received notice from my bank today of a returned check from one of the tenants.  The bank charged me a $5. fee for their hassle.  I should have done a better job of screening my tenants.   A returned check can happen to anybody once or twice.  However, I have been conditioned to equate bad check to bad person.  Now I have to deal with it; just as it is about time for them to pay next month's rent.   This is my policy on returned checks:

1. I will no longer accept checks from said bad person.
2. I will charge said bad person a $20. fee for the returned check.
3. I will not give said bad person their check back until they reinburse me in full for the check amount plus my $20. fee for dealing with it.

And that's all I've got to say about that......