How can the pizza place in my town have a $45.00 fee on any returned checks, when the NY state maximum is $25?

Question

How can they charge that?

Answer 1

To my knowledge, there is no "max" limit as to how much a company can charge for return checks. I agree, that's pretty steep, but they can charge that amount.

Answer 2

Because if you don't, they'll file check kiting charges against you. They have you over a barrell.