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In a YouTube video tutorial, a New York medical malpractice and personal injury trial lawyer explains why some injured victims choose to cash their settlement check immediately at a check-cashing facility instead of depositing it in a bank. Despite being advised to deposit the check and wait for it to clear, some individuals opt for immediate access to their money. The lawyer encourages viewers to consider opening a bank account to securely deposit funds from settlements for accident, medical malpractice, or wrongful death cases.