If you violate laws of this type, you may face a fine, a civil lawsuit or both. For one thing, you can't charge the client's credit card account if the check bounces. For another, bank personnel or others seeing a credit card number may use this information improperly. If you're presented with a check drawn on a business account, be sure that the person signing it has authority to do so. If a check is signed by someone other than the owner, a partner or a corporate officer, call the bank to see if the person presenting the check is an authorized signer.
Some businesses post a sign saying that they charge a specified fee for any check that bounces.
The legal reasoning is that in many states you can't collect such fees without advance warning to customers. And some business owners think that such notices deter bad check writers. Still, I generally recommend against posting signs. It's insulting to the customer, and there's no evidence that it will cut down the bad checks you receive. But if you do post such a sign or charge such a fee, check the law in your state to see how much you can legally charge.