My bank, the largest S&L in the U.S., returns my checks. They pay no interest on my business account. They pay something like .45% on my personal account. Please do not tell me that they lose money on the basically free use of large sums of the company's and my money.

When Diner's allows me to pay my bill with a mileage earning VISA, then I will relent. Until then, they can return my checks or I can save $95 a year. Primary CDW is only important when one wrecks a car. The probability of that is low.