A check tendered for payment of any city fee, bill or otherwise, which is returned, is deemed failure to pay. Whenever a check is returned the city shall assess a service charge in an amount determined by the finance director to be the local commercially prevailing rate for each time the check is returned for nonsufficient funds or as a nonnegotiable item. [BC 1.07.010, added by Ordinance No. 3472, 10/8/85; amended by Ordinance No. 3824, 8/3/92]