I would agree, I don't really understand the logic in this thread. You're literally giving the check to a bank who is then going to have read it and look at wha

I would agree, I don't really understand the logic in this thread. You're literally giving the check to a bank who is then going to have read it and look at what it's for and who you're sending the money too - and part of their job is to decide if it is legitimate, or if they should ask you about it, etc. If you put something extremely suspicious or flat-out illegal in the memo line, I would presume they're obligated to at least report it, or else they could be on the hook if it turns out it was actually true and they let it go with no questions asked.