I am rethinking the Signature Card from the bank. It seems to me that the OCC has sent out a memorandum, but not publicly. If so publicly I might have missed it. But the banks are starting to refuse the novation to the Signature contract. No problem. That is easy to get around if the banks are refusing across the board. Serve the nearest Fed bank. Then serve that Proof of Service on your bank and forget about the Signature Card. Keep non-endorsing your paychecks when you can but your demand is already properly done.

As I live this vicariously through suitors I believe the big part is not the doumentation at the bank, it is keeping a record of your demand. It would seem with electronic deposit anymore that a Notice and Demand is best made directly to the nearest Fed Bank and that proof of service published in the USDC (hopefully you can get a $46 Miscellaneous Case opened; we are working on that) and then you simply serve that on your bank and forget about the Signature Card if you like one of the banks that does not like non-endorsement. They are served and your demand is clear. You have done your part.
David, a composite of your comments above.

Some thoughts here if the bank refuses your novation and a strike-thru of W-9 verbiage (declaring 'U.S. person or U.S. citizen), relative to presenting your FRB lawful-money demand letter/proof-of-service:

If your lawful money demand is consistently executed and your record-keeping is pristine in that regard, would you think there is still any conflict with signing to that W-9 verbiage i.e. 'U.S person/citizen'?

As you have mentioned on many occasions the remedy necessary as written in law, I would think your demand and proper execution of that demand would supercede signing to that 'U.S. person/citizen' declaration (under duress no less).

Would like your thoughts (and others) relative to this example. I'm embarking on a new account and trying to cover my tracks and know the law.