Does a bank have to cash a personal check drawn on an account at that branch, when presented by the payee, if that person has proper ID, but no account?
No, while opinions differ and some people believe this is not allowed, some courts have held that it is not "wrongful dishonor" and the bank may restrict over the counter transactions to customers only. The check would be paid if it went through the traditional payment channels. Some banks will cash the check, but impose a fee, while others have no problem cashing them with proper identification.
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No, while opinions differ and some people believe this is not allowed, some courts have held that it is not "wrongful dishonor" and the bank may restrict over the counter transactions to customers only. The check would be paid if it went through the traditional payment channels. Some banks will cash the check, but impose a 