An "accessory financial use", as defined in section
11-2-3 of this title as "accessory use, financial", shall require a recommendation for special use permit and shall also require the applicant to satisfy the requirements and conditions applicable to the granting of a variation. Further, as to the requirements for the special use permit, the following additional special standards and criteria shall be applied and considered by the zoning board of appeals in making any recommendation for the granting of a required special use permit for an accessory financial use. It shall be the applicant's burden to establish each of the special standards and criteria to the satisfaction of the zoning board of appeals. The special use permit shall be recommended only when the zoning board of appeals shall find all of the following:
A. Related Use: The special use permit shall be recommended only where the accessory financial use is an "accessory use" (as defined in section
11-2-3 of this title) or is otherwise incidental and related to a permitted business or permitted use (principal business use) for which a certificate of occupancy has been issued for the premises. The accessory financial use shall be determined to be "related" to the principal business use where it logically and naturally supplements or complements the services of the principal business use offered to patrons of the principal business use. The burden of establishing same shall be on the applicant. By way of illustration only, and not as a limitation:
1. A check cashing service offered to patrons logically and naturally supplements and complements a grocery store use.
2. A wire transfer service in a contractor's office does not logically and naturally supplement and complement the contractor use.
B. Ownership: The principal business use and accessory financial use shall each be owned, managed and operated by the same person, firm or entity.
C. Size Limitation: The amount of floor area devoted or supporting the accessory financial use shall not exceed five percent (5%) of the floor area of the principal business use.
D. Business Limitation: The gross revenues of the accessory financial use do not exceed twenty five percent (25%) of the gross revenues of the principal business use.
E. Principal Business Requirement: The principal business use at which the accessory financial use is located shall be of such a type and nature which generates sales tax revenue, and shall not be a nonretail or service type business.
F. Signage Prohibition: No advertisement or sign of any type announcing the accessory financial use shall be placed within or without the building, structure or premises which may be viewed from the exterior of the building, structure or premises.
G. Impact On Other Business: A special use permit for an accessory financial use shall not be granted where it would affect the financial stability of any other business in the city offering the same type of service.
H. Community Need: A special use permit for an accessory financial use shall not be granted unless the zoning board determines that there is a community need for such accessory financial use. In making such a determination, the zoning board may consider whether such services are available at other locations within or without the city, the geographic location of other similar services, or other relevant factors. (Ord. 2003-O-15, 3-18-2003)
I. Adequate Facilities And Security: A special use permit for an accessory financial use shall not be recommended unless the zoning board determines that an adequate secure facility and a security plan shall be provided. Further, the zoning board shall determine that such shall be maintained. The plan shall provide for the security and safety of the employees, patrons and the public. Such plan shall include at a minimum: (Ord. 2003-O-15, 3-18-2003; amd. 2009 Code)
1. Appropriate facilities for the storage of cash and instruments upon the premises.
2. An appropriate security alarm system.
3. A segregated and secure financial transaction area, which shall include a teller window, which provides appropriate protection to the employees and prohibits patrons and the public from access to the employee performing the financial transactions, and/or the cash or instruments.
4. Appropriate services for the removal of cash or instruments from the premises.
J. Bonding And Licensing: All accessory financial uses shall maintain in full force and effect all required state and federal licensing, bonding and insurance, and maintain copies of same on file with the city.
K. State And Federal Laws: All accessory financial uses shall maintain full compliance with all state and federal laws and regulations.
L. Administrative Fee: All accessory financial uses shall be required to pay an administrative fee as required by the city to oversee the regulation and review of the special use permit for such accessory financial use
. M. Annual Renewal: All accessory financial uses shall be required to renew any special use permit which is granted on an annual basis pursuant to review and approval of the city council. The city council may delegate such review to the zoning board, which shall forward its recommendation to the city council. It shall be the responsibility of the holder of the special use permit to apply for renewal by filing such renewal request with the city clerk at least sixty (60) days prior to its expiration.
N. Limitation On Permit: Any special use permit granted shall only permit the accessory financial use requested, and shall not otherwise engage in any other financial services, including, but not limited to, loans, check cashing, or otherwise.
O. Code Compliance Required: A special use permit shall not be recommended unless the entire building or structure which contains the premises in which the accessory financial use is located has been inspected and is in full compliance with all applicable codes and ordinances. In the event an applicant for a special use permit is not the owner of the building or structure, the owner shall join in the special use permit application and shall ensure that the entire building or structure is available for inspection.
P. Application Requirements: All accessory financial uses shall be required to submit an application for the granting or renewal of the special use permit required. For purposes of administering such process, the city may promulgate an additional ordinance, which may be amended from time to time. Such ordinance shall be deemed an extension of the special use permit requirements. Further, the holder of such special use permit shall pay an administrative fee as required by the city to oversee the regulation and review of such special use permit and/or accessory financial use
. Such ordinance shall include the following provisions at a minimum: 1. There shall be maintained and posted in a prominent location in the accessory financial use transaction area a complete description of fees for any financial service. Further, in the event that the accessory financial use involves the transfer of funds to another country, there shall also be posted either a notice that funds shall be transferred based upon the daily official exchange rate, or, if not, there shall be posted on a daily basis the exchange rate used for such transactions. The text of such signs shall be in red letters on a white background; said letters to be at least one inch (1") high.
2. There shall be maintained and posted in a prominent location at the accessory financial use a sign indicating that any complaints regarding the service may be submitted to the city of Highwood for determination and adjudication. The text of such signs shall be in red letters on a white background; said letters to be at least one inch (1") high.
3. In addition to any other posting requirement, all notices required hereunder shall be promulgated in English, Spanish, and any other language which constitutes the primary language used by five percent (5%) or more of the individuals availing themselves of the accessory financial use. For such purpose, each application for the accessory financial use shall inquire as to the primary language of the patrons.
4. Any applicant for a special use permit for an accessory financial use, or any individuals involved in any way with such accessory financial use, shall be subject to fingerprinting, background check and/or a criminal history query to determine that the applicant and individuals are qualified for the granting or renewal of such special use permit.
5. All accessory financial uses involved in the transfer of funds shall provide to each customer verification that the funds have been received at the point transmitted.
6. Each operator of an accessory financial use shall keep a log indicating the following as to each patron: the date, time, name, address, telephone number, primary language (as noted above), amount of funds transferred, the transfer rate applicable, the official exchange rate in effect on the day of the transfer and the transfer fee. A copy of such log shall be submitted to the city upon its request.
7. Each operator of an accessory financial use shall keep and provide such records or logs as may be required pursuant to any state or federal statute or regulation regarding same. A copy of such log or records shall be made available for inspection and copying at all times by the city, and a copy shall be submitted to the city upon its request.
8. The applicant for the special use permit shall demonstrate to the zoning board its ability to comply with each of the foregoing.
9. This subsection may be amended pursuant to another ordinance of the city, which ordinance shall serve to repeal or amend this subsection, without further hearing.
Q. Acknowledgment: Any applicant for a special use permit for an accessory financial use shall acknowledge that he is subject to the regulations set forth herein, that he will not seek refunding of any licensing or administrative fee imposed hereunder, and the applicant shall indemnify and hold harmless the city from any and all claims relative to the application, granting or denial of the special use permit, and that the special use permit is subject to the terms of this title and, further, to renewal on an annual basis.
R. Revocation Or Suspension Of Permit: Any special use permit granted hereunder shall be subject to revocation or suspension for just cause, if the city determines that the holder has violated any of the provisions hereof, the ordinance referenced above, or any other ordinance of the city. Any person making application for such a special use permit shall be deemed to recognize and acknowledge that said permit may be revoked for the violation of any of its terms. (Ord. 2003-O-15, 3-18-2003)