Open an account at the boss' bank. That bank doesn't seem to be bothered by the "restrictive endorsement."
Or, if there is a Bank of America in your area, open an account there. BofA's legal department has already determined that they have no problem with the restrictive endorsement. Perhaps you've already seen
this image located in our downloads area. I recall here at StSC another member posted a BofA agreement with the verbiage written into the contract.
I could see why small banks would be reluctant to do business with those that demand lawful money. However, BofA is not small - infact, it's "too big to fail".
When I renewed the State's driver's license, I signed my true name - there is an image of my true-name signature on the DL. When I open an account at a bank, they'll insist for the account to be opened in the legal name that appears on the DL. However, the signature I put on any bank agreements merely must match the signature on the DL. No need for
True Name dba LEGAL NAME. I simply sign
True Name.
IMO, any other disclaimers such "all rights reserved", "without prejudice", etc., merely raise red flags with the banksters. I only include the demand for lawful money with true-name signature - nothing else.