Help if you are voting the Trustees out how do people pay their dues

Lorna, all assessments (and dues if a voluntary association) should be made payable to the association - not to a trustee. The choice of where to mail the payments is made by the BOD. If they do not pay on time late charges should be assessed when possible to encourage payment.

The members pay the overall HOA and NOT the individuals board members. There won't be anything posted to the owner's accounts. The only thing the accounts will show is if the money has been paid and they are up to date on their dues. Having people think they have some kind of "account" makes it seem similar to having separate banking accounts in one bank.
The HOA is a corporation. It is most likely an NON-PROFIT corporation. (NOT CHARITABLE) This means the HOA MUST spend the money it recieves in on the operation and maintenance of the HOA. Board members typically do NOT get paid and are volunteers. The volunteers willing to do the job for the most part. Someone has to do the job.
You can't stop paying the dues just because you don't like who's running the HOA. You can vote them out but not deny the fees. That will get you in trouble. Plus you may lose your right to vote if you don't pay your dues. You have more "power" to make changes if you have your right to vote.
Another thing... By-laws are the rules of the HOA and don't have to be officially filed anywhere unless the state requires it. It is your Convenants and Restrictions you need to follow and they override the by-laws. The CC&R's are PUBLIC documents available at your COUNTY courthouse in the records department. The HOA doesn't have to give them to you per se. They can make copies available to you upon request. CC&R's go with your deed and are the "real" restrictions/rules of your property.

I disagree BradD2. It does matter who is the Treasurer. They are responsible for keeping the accounting records. A lockbox simply reduces some of the work required by the Treasurer or MC duties.