A: I would like to cash this check.

B: Did you endorse the check?

A: What does endorse mean?

B: It means you need to sign the back of the check.

A: I will do that right now.

B: Can I have your account number and identification please?

A: Oh, I don't have an account here.

B: Then there will be a $10 fee to cash the check.

A: Do I have to pay that fee?

B: An alternative would be to open an account here.

A: I already have a checking account at another bank.

B: Then you should cash your check there.