Your signature card for a standard bank account contains adhesion contracts which confirm that 'you' are a 'US citizen' (read: debt slave, who wants his income taxed), and that you prefer to deal in FRN's, which is what the bank is in the business of purveying. BofA is becoming obnoxious about changing their signature card, no doubt due to pushback from the IRS about people figuring out that US Notes are not taxable. The simple solution is to file your demand with the county public records department, and then serve a copy on your bank. The demand is specific, and thus trumps any non-specific adhesion (hidden) contract term. One and done. No special endorsement on your checks, although if you have actual physical checks, I would endorse them 'For Deposit Only', no signature. If the bank demands a signature, then sign 'Redeemed in Lawful Money per 12 USC 411, and sign below that "by John Doe, Agent". They will back off. Red ink is immaterial, connotes nothing, but may be hard for some copying machines to pick up...

Freed