Can non-IBC customers cash checks through the motor bank?

Can non-IBC customers cash checks through the motor bank?

• A. Yes
• B. No
• C. Only if they have a prior account
• D. Only if the check is under $100

Answer: (B)

Motor bank windows are set up to serve the bank’s own customers, with processes to verify funds and identities tied to an account at that bank. Since non-IBC customers don’t have that banking relationship, the institution typically won’t cash their checks at the motor bank to protect funds and reduce fraud risk. If someone isn’t an IBC customer, they’d usually need to cash the check at their own bank or use another service. So, the right answer is that non-IBC customers cannot cash checks through the motor bank.

Motor bank windows are set up to serve the bank’s own customers, with processes to verify funds and identities tied to an account at that bank. Since non-IBC customers don’t have that banking relationship, the institution typically won’t cash their checks at the motor bank to protect funds and reduce fraud risk. If someone isn’t an IBC customer, they’d usually need to cash the check at their own bank or use another service. So, the right answer is that non-IBC customers cannot cash checks through the motor bank.