The limit on the number of submissions relates to submissions through the Fed, other correspondent network or NACHA. If you want to stop wasting your tellers' time, stop doing this.
If funds are available, we charge a fee and issue a cashiers check for the balance.
The risk you are accepting by converting the check without any assurance that the person in your lobby has the authority to act on behalf of the check casher and I doubt the fee you are charging covers the soft costs of staff time or the risk. If the check casher doesn't want to submit the check via the their bank through the Fed, tell them their other option is to ask their bank to send you a collection letter. You can then charge your collection fee for that service instead of providing free collection services every time they waltz into your lobby.
_________________________
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
www.tcaregs.com