There's a reason I said "regularly"; blacklisting someone who bounced one check seems excessively harsh. And I also consider it entirely unreasonable for any bank to refuse to cash their own checks, under any circumstances; I haven't run into such a bank but I can easily believe that they exist.

In any case, those sounds like two quite painful tales. There's a reason I don't set up automatic payments for anything (I prefer manually using online bill pay each time).