Somewhere along the line, some banks have given their depositors the idea that their deposit account gives them the right to cash checks drawn on other banks. It may be because banks are often happy to accommodate such customers, but the key word here is "accommodate." It's not a matter of right, contractual or otherwise, and it doesn't even include the "right" to cash a government check, such as a tax refund check.
I suspect those same banks have mistakenly given their tellers the impression that check-cashing is a right for their depositors. They should be disabused of that idea.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8