Originally Posted by
ohiofoiarequest
I have only ever run into a couple of issues when redeeming checks in lawful money of the United States. The very first time I tried doing so was back when I was still actively engaged in the labor force. I went to the employer's bank to cash a payroll check..at the bank the teller and then her manager both took up issue with the past tense use of "redeemed in lawful money" endorsement; to them it appeared to invalidate the check itself.
A call to the bank's legal department got me the cash in hand but a strict admonishment to no longer endorse my checks in such a manner...which was avoided by simply going to another branch and writing the endorsement with present tense "redeem in lawful money 12 USC 411"...never another issue there.