<prompt> Human: Twice I have had small checks 20 or under and tried to cash them at my bank and been told they can only deposit the check and give me 20 cash withdrawal from my account. The first time it was a check that had my husbands name although I had an identical check, and he had signed the back and they claimed it was because there was so much check fraud in the state FL. The second time I was told it was the banks new policy to not cash checks from other banks ?! Isnt this a main function of a bank?, and this was in TX.Does any one have some insight on why different branches are telling me this instead of just cashing the check? I keep a strict ledger of my accounts, and its a pain to have to record it rather than just have some pocket cash from a birthday check. Not to mention I have gone to other branches and they cash the check no problem.EDIT: Thanks for the explanations everyone. I still think its strange that a major US bank wont cash a 20.96 check from State Farm seeing as there is an incredibly small amount of risk or fraud.  <response>: Theyre covering their booty by holding check until it clears, specially if its in an area full of fraud checks. I see nothing wrong with what theyre doing. 