We use a local company. Our bank sends the info directly to them and they take care of everything. They do not charge us anything but recover enough for us to cover the charges our bank inflicts so we don't lose.
We have a sign posted at the school that warns of reprocussions for passing a bad check. If we do get a bad check, we send the person a letter letting them know they will not get their fundraiser items until it is cleared up. Believe it or not, we had parents taking cash their children had received and writing a bad check to us.
The irony of commitment is that it’s deeply liberating-in work, in play, in love. The act frees you from the tyranny of your internal critic, from the fear that likes to dress itself up and parade around as rational hesitation. To commit is to remove your head as the barrier to your life. --Anne Morris