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« Why doesn’t a national bank have to cash a check that is drawn on them?

I opened a new checking account, but the bank will not let me withdraw my funds immediately. Can they do this? »

My daughter endorsed her check and I tried to cash it for her, but the bank refused. Can they do this?

Because you are not the maker or the endorser, this is considered a third party check.
A national bank sets its own policy to accept or reject third-party checks. If the bank accepts the check, the bank can require the payee to be present to verify the signature.
There is no law that requires a bank to accept third-party checks.

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My daughter endorsed her check and I tried to cash it for her, but the bank refused. Can they do this?

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