The worst your bank will do is debit back the deposit and send the check back to you. 

Is it normal for a property manager to charge 25.00$ a month if I drop my rent check to his office instead of agreeing to direct debit from my checking? 

Are you allowed to debit their account for the fees/fines after they leave?

There are also rent to own stores, secured credit cards, prepaid cell phones and a whole host of services available to those who are terrible with money and credit.

Get a debit card for that account, and ONLY use that debit card for rental related purchases. 

Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value)."

I've gotten probably 8 new debit cards in a year and I don't even use my debit card so it's unlikely it's fraud.

I keep my debts and debits meticulously recorded on paper ledger.

A car loan, prepaid credit card, gas credit card - and PAY IT OFF EVERY MONTH.

IRC section 461(g) applies to points or prepaid interest.