I have found
this thread and
this thread in this forum that say, "Don't cash checks that are made payable to "Your Bank", instead have the customer make them to themselves or to "Cash" and everything is much better."
I like that train of thought, but I like to say that while we're in Kentucky, management at my shop might as well be from Missouri - they live and die by "show me" when it comes to these things. In my information search, I haven't been able to find anything that supports this train of thought. That means when I take it to management, they'll think I'm just being too conservative and that unless I can document my position, there is no reason to inconvenience customers with significant deposit balances.
So, are there outside sources to support this train of thought? Thanks in advance for helping me find anything that I have missed.