I work at a LQS. She has been in business for 10, almost 11 years, and has never received a bad check. We are located in kind of a hub area and people pass through traveling south for the winter. These people are from all over the country. When I first started working there I asked about taking out-of-state checks and she said "Definitely! Quilters are some of the nicest, most honest people I have ever met." And, I agree with her.