I went to the branch to cash a check drawn on that bank and branch. I was asked if I had an account at that bank. I said that I did not have an account there. I was told that there would be an eight ($8.00) dollar fee to cash that check. The face value of the check was over $100.00. I asked the clerk if I was required to enter into an undisclosed contract to negotiate a payment on demand bank draft. She had no idea of what I was talking about and was referred to the manager. I again asked the manager if I must enter into a contract (knowingly, willingly and intetionally) with this bank for $8 in order to negotiate the check. She would not answer the question only stating that I would be charged an $8.00 fee. I said that I would not enter into a contract with the bank, and asked them if they were dishonoring the check after they had verified there were funds in the account and verifying my identification? At this point they wouldn't say anything other than the $8.00 fee I must pay. I walked out with the check and said I would file a report with the state banking commission for dishonorment of the bank instrument. I am a Notary and a notary has the authority to create a "Notarial Protest" for a dishonored instrument. My next step is to have a notary at that bank creat that "notarial protest." Comments would be helpful.
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