The need to bind the account owners to you contractually is one major challenge. How are you going make sure you have a contract in place for the office manager? For the business owner (as an individual), etc. If you don't prohibit the business from allowing hitch-hikers on the service, you could be left holding the bag for transactions you didn't bargain for. Third-party checks deposited to an individual's account. Kiting. Fraudulent checks (from counterfeit check scams).
Remember that your agreement with the business should be based in part on the business's record with you, your expectations as to volume and check type, creditworthiness of the business, the deposit relationship, etc. But the office manager doesn't (or shouldn't) benefit from the business's credit standing or balances, etc. He or she should qualify on his/her own merits.
When you allow third parties to hitch-hike on the agreement, you lose control.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8