My agreement card now reads "All transactions on this account are intended by demand to be redeemded in Lawful Money pursuant to title 12usc411." I think this is all that is needed to put all on notice of my use of lawful money. Now if I use a debit card (linked to the account), check or atm, they know my intent. I care not how they choose to do their accounting. If they come a knocking I will point them to agreement card and be happy to give them the checks with non-endoersements also.

Thanks
MC