Yes! You are worth your weight in gold already, having just been cleared to post outright!

Some US Bank (I believe) employees were fired and ten (suitor/trustee) accounts were closed down without explanation. A likely explanation is that the bank was caught by the OCC treating special deposits like regular deposits. So my presumption is that your bank or credit union is treating all funds in your account as non-endorsed special deposits, just to be safe.

We (brain trust) have noticed that credit unions have much less concern about non-endorsement. I did not consider why carefully until you gave me some details. I figure that all you need for fractional lending is insurance for a "run" on the vault. Either the FDIC or the NCUA will run an armored car over should that ever happen. I suspect that the Credit Unions are not bound to federal risk management nearly as strictly as Banks. However the authority would likely be the insurance company?