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.