The last two banks I dealt with charged ME $30.00 each time MY TENANT wrote a bad check TO ME. If an individual purchasing an item chooses to not use Paypal or Western Union(as one of my European buyers did), he can wait the few days that it takes the check/MO to clear. An honest person should have no qualms about another removing any risk from a transaction. If the policy is stated before the transaction takes place, they can always cancel the deal(if they are that thin-skinned).