Another reason to hate centralized banks. Roy had to open a checking account to handle his deceased sister's estate. One of the utilities for which he paid a bill sent him a refund check because it was presumably an overpayment. So, he deposited the check into the estate checking account. The check was for just over $23 USD. A few days ago he received a letter from the bank saying that the check had been returned and charged back to the account. And he got a 15 dollar service charge against the account. What BS! Yes, they're still a necessary evil.