First Union Corp. has received a patent on a type of card that lets non-account-holders cash payroll checks at the bank quickly and for no fee, and it is trying to market the product to other banks so that they may compete more effectively against check-cashing centers.

The check-cashing card was invented by William T. Morrison, a senior vice president with First Union Florida, who got a patent for it last August and is just starting to peddle the card to other institutions, targeting banks and grocery stores.

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