Hey logjam, just my 2 cents based upon experience, they do not like restrictive endorsements because certain ones limit their ability on the fractional reserve banking side to negotiate transactions at different rates.
If you can get a hold of a regular bank check from an account if you have an old one laying around, use a high powered magnifying glass on the signature line, it will say something like " Authorized Signature " . amazing how small it can be and still be legal. The other thing is that you do not need to be so elaborate in the lawful money statement, just simply put " 12 usc 411 - lawful money " and do it real small right below your signature, not just on the signature card but for all checks deposited, that way they cannot try to weasel out of a transaction and yet gets stream lined past most tellers, have had lots of success doing it this way. The only time i had a problem is before i started doing that was writing it real big to make it very obvious and in that case all i did was go to a different branch of the same bank and it was accepted.
good luck in your journey.