All I can say is the tellers aren't trained Good enough,,,I started a new job, took the check to the back and cashed it.luckily is was only  $25.00 ,,a week later my account was locked up.and i received a call from the bank about what happened  .my husband,the teller and myself didn't see it said direct deposited on the bottom off the check,,,its in big bold letters but we all missed it..isn't it there job to catch those kinda things..I could have been trying to fraud the bank and i would have gotten away with it,,,