Send returned check emails to requester and approver

Returned check request rows leave requestors unsure how to fix issues and delay payments. The workflow emails requester and approver with reasons and next steps so fixes happen same day.

Overview

Reduce back-and-forth on returned check requests by emailing requestors and approvers with the exact return reason and next steps automatically. That removes manual triage for accounting and ensures corrections occur same day so the upcoming payment run stays on schedule.