Welcome to our bank.

Imagine the following scenario. You go to a store, buy some stuff, and pay for it with a check. The dude from the store takes the check, messes it up (forgets to sign on the back, for instance) and tries to deposit it. Surely enough, the check bounces. Now he's got a problem, because he didn't collect the money (well, tough luck). But you are charged 19 NIS (over $4) for handling the whole thing! Not fair!