What I have learned so far.

[DTBA]

SUCCESS!! I have processed two checks with the verbiage of non endorsement and am using the title 12 ss 411 certified copies as my defense if things go south or questions get asked. It seems to work. Also my bank is a registered federal reserve commercial bank as well!!! Plus one of the checks was from the Ky state treasury. I am interested in how this will turn out when they get processed. The treasury check however was first declined due to my bank usually following the 6 month rule I found out which is actually UCC 4-404. I had them accept it due to the fact of the KRS 41.370 statute and the fact I got the Ky treasury involved.

quick link
https://www.law.cornell.edu/ucc/4/4-404