Repeat 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.