Im going to add this to my Check Signup Form
<TABLE WIDTH="734" BORDER="1" CELLSPACING="1" CELLPADDING="1" BORDERCOLOR="#000000"><TR><TD HEIGHT="21" BGCOLOR="#FFFFFF" BORDERCOLOR="#FFFFFF"><DIV ALIGN="CENTER"><FONT SIZE="2" COLOR="#FF0000"><B><FONT SIZE="3">WARNING REGARDING RETURNED CHECKS </FONT></B></FONT><FONT SIZE="2"><BR><FONT COLOR="#000000">Unpaid checks, returned by the bank for any reason, are referred to the Collection Department. $30.00 fee will be assessed. A letter is sent to the client advising them of the returned check. If there is no response from the client, the collector will attempt to contact them by telephone. The final collection action is to send a Notice to Dishonor which advises the client that failure to pay may result in additional collection and attorney fees being assessed. Interest of 12% is added from the date of dishonor. </FONT></FONT></DIV></TD></TR></TABLE>
might work?