BS Post Deleted - Novation must be agreed on by both parties. Writing a Restrictive Endorsement on a check is going to get you nowhere....now BEGONE - ND

concerning Novation you are correct in stating that the bank has 90 days to return a check with a restrictive endorsement.It is called the safe harbor clause in the UCC under restrictive endorsements. It says also that they can send a check of equal value!! My question is if the smuck who tries this sends a copy of this check to the bank and tells them what was done, what it the bank decides to just keep the money and not return anything?

would that mean that the bank actually agrees and had disclosure? I know this would never happen, but what if it did?