If you are presenting a demand against a bank for payment then their check cashing policies should go out the window. One can threaten to call the State AG, regulators or the like if necessary. They are supposed to honor drafts drawn against them. IF YOU SAY YOU ARE CASHING THE CHECK EVEN THOUGH ITS DRAWN ON THAT VERY SAME BANK THEY WILL LIKELY GO INTO THE MODE OF PROVIDING THE SPECIAL SERVICE OF "CHECK CASHING" AND TREAT YOU LIKE YOU ARE PRESENTING A DRAFT DRAWN ON A FOREIGN BANK (I.E. THEY WILL PLAY AS DUMB AS YOU WANT DUMB TO BE BECAUSE IN THEIR VIEW YOU ASKED FOR IT)! WHEN ONE STOPS WITH THE SELF-INFLICTED WOUNDS THE LESSER THE BLOOD LOSS AND THE GREATER THE STRENGTH.
If you have the maker of a check made out to "{name} or bearer" it can make your life easier (but beware of keeping the check securely because its much like cash).
I recall posting a technique whereby the person issuing the check and verify the signature of the payee by signing under the non-endorsement/endorsement on the back and writing something like "Signature OK". But seems the Googlenetweb has been SANITIZED of all other references to such even textbooks. The point is that it was a method useful in case one lost one's ID.
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