You Be The Judge:Messing v. Bank of America[1]

Facts:Jeff Messing attempted to cash a check for $976 at a Bank of America branch office.The check was made out to Messing and drawn on the Bank of America.A teller asked Messing to provide identification. Messing presented his driver's license and a major credit card but Bank of America policy required a thumbprint signature from anyone wishing to cash a check who did not have an account at the bank. When Messing declined, the teller refused to cash the check.

You Be the Judge:Was the bank's thumbprint policy permissible under the UCC?Had Messing provided reasonable identification?

I need to know the issue, rule,analysis, and conclusion