I am still getting too many matches when I search the threads. So, I am looking for previous threads (maybe 2-3 years ago) where I described a practice of allowing a customer (or non-customer) to cash an on us official check, take some cash, get another check, come back a month later, cash the check, take some cash, etc etc. until there is no more money. The check never hits an account first. I remember people said they did not do this. I need to find that post.
Thanks

Maybe
http://www.bankersonline.com/forum/ubbthreads.php?ubb=showflat&Number=1783472

Or more likely: http://www.bankersonline.com/forum/ubbthreads.php?ubb=showflat&Number=1770593

OK, re read both threads. I see where WW has good procedures. however, suppose we have John noncustomer come in with one of our cashiers checks. We will cash it. It is on us.

We want to get around the whole process of giving cash and a new check for a smaller amount so that, in two weeks, John can repeat the process. We can't refuse to cash the subsequent check.

Your comments on handling these types of issues will be most appreciated.

Then simply say you cash it for full cash only or you deposit it at your own bank. It is really that simple.

I do not know why you think this needs to be more complicated than it is.

Me either. You agree to honor the check (give them cash or pay the check through clearing). The non customer does not get to choose how you go about it such as you have described.

Some banks give the split cash/cashier's check because of cash limits at smaller branches. If you are doing that, then the bank must decide which issue is more important.

Thank you for the additional comments. For years we would try to accommodate people cashing large checks and trying to help them get home in one piece as they go out the door on to a busy street with $20,000. in cash. We could understand some people getting some cash, we give a check for the difference, and we don't see them again. The greater problem for us is the serial user of official checks as I described. Wish it was that simple, as you described. We still try to be thoughtful and accommodating to everyone and that is getting us in trouble.

We still try to be thoughtful and accommodating to everyone and that is getting us in trouble.

That is the problem, you are a bank and not a non-profit. If they are a non-customer and you decide to cash it over the counter for them it should be a simple take it or leave it. It is also not you responsibility to ensure that they make it home with an amount of cash that will get your bank into trouble. That is why the got a check in the first place. I am coming from experience of working for many years at a bank that thought that everyone problem is the bankers problem. Then the bank was sold because it did not make any money.

Agreed. We need to bring our practices into the 21st century.