In my due diligence to ensure my Lawful Money demand is documented, I went to the bank to get a copy of one of my demands. My methodology for negotiating my checks is to place the lawful money demand, "Special Deposit", no signature of any kind. I normally deposit in the ATM to avoid questions but have used this same method with the teller face to face without issue.

Anyway when I received my check copy, it had been routed through the system and I see this stamped under my non-endorsement:
"Credited To The Account Of The Within Named Payee Endorsement Guaranteed Bank of America, N.A."

Can anyone deduce why the bank is guaranteeing an endorsement? My understanding is that I did not endorse private credit and that my deposit was made as "Special" and therefore the funds deposited have to be made in lawful money and returnable to me as lawful money
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