A regular deposit of lawful money.

[Treefarmer]

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.

Got paid by bank check for a raft trip I ran last week.
I'm trying out the new verbiage on it.
I'm writing it in above my stamped "Redeemed for lawful money pursuant 12 USC 411, True Name, dba LEGAL NAME" verbiage.
I'm keeping a copy of it for evidence.
I've noticed that our bank tellers never look at the back of the checks we present to them, almost as if they don't want to see what it says there.