Credit Union told me they will not accept my checks with a “restrictive endorsement”

[David Merrill]

The front side of the Note (instrument) is the domain of the issuer. Therefore I agree if you are the account holder writing the check.

This may inconvenience some people but if your bank is not interested in upholding your rights, then you should find a bank that is.

[lorne]

I agree. A simple signature backside of check equals endorsement of the FEDs private credit; unconditional acceptance, naked contract.

Reminds me of the one time I had an issue with a lawful money check. Bank teller looked it over, brought it over and conferred with the head teller (I guess), came back and said they cannot accept my check with that restrictive endorsement "stamp" on it. Went over to the lobby and fed the same check into the ATM and had the money next day with no problem. Teller was wrong. The bank would accept "restrictive endorsement" checks all day long.