One or more of your customers might not like it. I haven't used a club account for decades, but if had one and had a reason I wanted a check at maturity rather than backwashing the funds to my funding account, I might not be happy. If you offer it as an option rather than present it as a fait accompli and then only accept club accounts with that feature next year, things might go more smoothly.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8