Quote Originally Posted by JohnnyCash View Post
If it's helpful to anyone - in all my years redeeming Lawful Money the bank has never denied or rejected a "restrictive endorsement" check. Each was accepted and I had available lawful money.
Same here, JC. The teller did ask "What's this?" when I added the verbiage to the bank signature card - I told her "Oh, that's just my restrictive endorsement." She left it alone and I have not had anything questioned since. I frequently cash checks as well as use the smartphone app to make deposits with no issues.

I will echo your thanks to David Merrill, and include a thanks to Michael Joseph, for sharing this remedy!