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Some banks in Texas, will not cash a check written on that bank at the drive up window, if you do not have a account with that bank. You must go inside the bank with Id etc. during inside banking hours. Is this requirement legal ? I collected a check late one after noon while working in a city close to mine. I like to cash such checks before I leave town to in sure they cash. After 5pm I could not cash the check at the window. After the weekend, was over the funds were no longer there and I was back home.