We have the choice to use either "lawful money" or "government script"----- at least in theory, but in fact, they have established a coercive monopoly leading to conditions of "monopoly inducement"----- the only currency made readily available is the "Federal Reserve Note" or checks, etc., all "denominated" in Federal Reserve Notes------ so how to you force the rats to use "lawful money"?
Well, you can't really force them to literally use lawful money, because they don't have any, but you can force them to "denominate" whatever currency is being used "as" lawful money.
In other words, even though they don't have actual United States Silver Dollars, you can force them to pretend that they do and credit your account accordingly "as if" every digit related to your account was representing a United States Silver Dollar.
The key is to realize that the word "personal" has been redefined for their purposes to mean "corporate" and that the corporation uses "Federal Reserve Notes" as currency, so that when you cluelessly set up a "personal checking account" you are in fact setting up a "corporate checking account" for a government corporation franchise operated "in your NAME"------ and every digit passing through that account is being "presumed" to represent "Federal Reserve Notes".
Unless you object and inform the bank that yours is a "private account" and that all deposits to and transfers from the accounts associated with your name must be "denominated" as "lawful money"---- your account will be presumed to belong to the federal corporation franchise they are running in your NAME and all deposits and withdrawals will be considered "Federal Reserve Notes" ----- corporate monopoly money as well. Even worse, the bank will presume that the funds in these corporate franchise accounts belong to the corporation(s) and not to you; this is how they propose to have the ability to seize your bank accounts, 401K's, etc.
I recommend informing the local banks with a simple letter instructing them to denominate all funds deposited to and transferred between and out of accounts held in your name as lawful money. By doing this, you put the banks on the griddle if they ever try to "nationalize" your accounts, because you have chosen to operate using lawful money--- which is not their "money".
Be sure and use US Certified Mail Return Receipt Requested when you send the letter and retain the receipt when you receive it back to give plausible proof of your action.