When one removes the presumption of a loan being made to the bank one also removes any subsequent presumption that one is a banker. You're not making any loans and acting like a banker. Thus the legal tender laws and all banking laws no longer apply to you. The bank cannot discharge their debt to you with ‘other’ money. Their debt to you must be paid with ‘specie.’ The identical lawful money you have declared your check to be via ‘a regular deposit of lawful money’. This is the ‘linchpin’ in deed.