Cashing Items. The Bank may refuse to cash any check payable to you or indorsed to you and instead require you to deposit the check into your account. If we cash a check and it is later returned unpaid, we may deduct the amount from any of your accounts. The Bank may cash checks drawn by you on your account when presented by the holder. If a payee or holder who is not a deposit account customer of the Bank presents a check drawn on your account that is otherwise properly payable for cash, we may refuse to cash the check, charge a check cashing fee, or impose additional requirements that we deem necessary or desirable. We may also require that they provide us identification we deem acceptable. If the person presenting the check fails or refuses to satisfy such requirements, our refusal to cash or otherwise accept the check will not be considered wrongful. Such requirements may include, but are not limited to, physical (e.g., fingerprints) and documentary identification requirements, check cashing fees, requirements that such checks be cashed only at the branch where your account is assigned in our records, that the signature of the endorser be guaranteed by a financial institution acceptable to the Bank, or that the check must be endorsed in the presence of our personnel.
