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Recently, when my payroll check did not hit my bank account on time, I bounced a check. The holder of the check put the check through a second time, but also automatically charged my bank account $20 as a service fee without my permission. I am in Utah, and according to Utah law, if a holder of a check re-posts a check a second time and it clears, they are not entitled to the service charge. However, when I confronted the merchant, I was told that this was the merchants policy and they had lawyers confirm it's legality. Can you tell me in what instances Utah code can be superceded? What can I do?


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