Reply to Thread

Message:: [QUOTE="Michael W. Bradley, post: 7488083, member: 114144"]That's a very good question. All good comments. You can write to the "Comptroller of the Treasury", for the correct answer, if they bother to reply. My understanding "was" decades ago that if they were a Federal Depository Bank, they 'should' do it. In Ohio at least, it takes only a minimum deposit to be a "customer". It would seem if you regularly visit that bank it would make sense to open an account. NOW, as far as cashing a check drawn on another bank-YOU must take it to THAT BANKING INSTITUTION. Unless as a customer, 'they should not' be charging a fee as long as you have the funds on deposit. Even if you DO NOT have an account and it is THEIR CHECK, providing you have proper ID, "and the Drawer has the FUNDS ON DEPOSIT", THEY SHOULD tender the full payment. If the institution WILL NOT or perhaps the account is temporarily deficient, and the teller says: "There are insufficient funds to cash this". If you have a NOTARY PUBLIC  along, he/she then can make what is called a "NOTARIAL PROTEST" which is valid in all 50 states under the (UCC) Uniform Commercial Code and state law. It is rather obsolete but still on the books (required for International Checks and Drafts). It was once a big deal prior to the Grreat Depression.[/QUOTE]