Is the library going to lose money by not collecting fines?

Any fines and fees collected by the library goes to the city’s general fund, not the library directly. With the popularity of eBook checkouts (which don’t accrue fines) and our automated due date reminder system, the amount of overdue fines charged to accounts has decreased over the last few years. As we’ve learned, some people with fines will no longer use the library and we don’t want that. We would rather have our patrons use the library than feel punished for fines they cannot pay.  

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1. How do I get a Nicholson Memorial Library System card?
2. How old do you have to be to get a library card?
3. What types of identification do I need to get a library card?
4. Can I check my library account online?
5. How do I find out what my PIN is?
6. What if I do not remember what phone number I have in my Library account?
7. Can I see what items I have checked out?
8. Can I see what items I have requested/placed on hold?
9. Can I see what items I have requested through inter-library loan?
10. Do library cards expire?
11. Why can't I login?
12. Will I get charged if I don’t return an item?
13. How will I know if I have overdue items?
14. I currently have overdue fines. Do I still have to pay them?
15. I lost the items that are charged to my account, but I can’t afford to pay the replacement costs. Will you clear those charges?
16. What if I have lost items on my account but I still have them? Can I still bring them back?
17. Is the library going to lose money by not collecting fines?
18. What about personal responsibility?