Hello everyone,

Everything has been going great for almost 2 years now, and I've actually developed a very good relationship with the people at my bank. I'm a very specific person as far as how I like my checks cashed. I prefer to have a certain number of each denomination and even some dollar coins for saving. The past two years have been flawless for making my demand through a restricted endorsement on my checks. The tellers were all aware when I was to come in to immediately take my check and make a copy of the back for me with a bank stamp on the copy so I could have a date stamped on there for my records. After a year of this I even decided to open an account with this bank due to how well things were going. Before it was just the bank of where my paychecks were drafted. I was able to put my restricted endorsement on the signature card no problem "All transactions on this account are Intended by Demand to be Redeemed in Lawful Money Pursuant to 12 U.S.C. 411".

Everything was great until recently I went to make a deposit. I included my demand on the deposit slip as I have done before, but I was working with a teller I hadn't worked with much. This threw her for a loop and she said she had to run this by the branch manager. I'm thinking no big deal, the personal banker also had to run by the manager my signature card when I filled that out, and I was able to complete that no problem. Long story short apparently this branch manager in the two years I have been coming to this exact location and redeeming Lawful Money through a restricted endorsement was completely unaware I had been doing this. According to bank policy they cannot accept a restrictive endorsement. This baffled me because I remembered the personal banker specifically went to the managers office after I filled out my sig card. She even said to me she had to run it by her (branch manager), and she had no problems with it at that time.

So I opted not to deposit the money at that time and choose a different means to get done what I needed to. That Friday I walked in with my restricted endorsement on my check as I always had, and all of the tellers were informed that I had to see the manager if I came in again with a restrictive endorsement. I had a short meeting with the manager where she again explained to me they are not allowed to accept a restrictive endorsement, and then also said something to me on how my stamp and signature was in red and how that was a no-no and wouldn't be accepted, and then tried saying something to me about my signature in general True Name; DBA First LAST. I rebutted that with my drivers license being that is my signature on there, but in my head I'm thinking who are you to try and tell me what my signature is or is not. Due to the fact I had already stamped my check and put my restrictive endorsement on there I was able to get her to call the "auditor" to have them allow me to cash it that day if I struck a line through my demand. This was successful, but now I am contemplating my course of action from here.

The funny thing is they try to tell me there policy is they cannot accept a restrictive endorsement yet I see there own advertising trying to promote a mobile app that can deposit your check by taking pictures of it. They have demonstrations of the app they show on tv screens throughout the bank. They imply through animation that when one takes a picture of there check for deposit a restrictive endorsement is digitally placed on the check saying "For Deposit Only". Also I know for a fact businesses and humans have been able to put a "For Deposit Only" on checks to this particular bank with out an issue.

Has anyone else experienced issues with a bank saying they will not accept a restricted endorsement on a check?