We did the same driving to Piedmont on a couple hundred buck check and the bank refused to cash it because we were not a member of their bank. Effin pissed me off royal!
Oh no!! A check is a demand note. If the money is there and you present a check they SHOULD pay out. I had that same discussion with OECU several years ago. Finally told the teller and whatever important muckety-mucks who were standing around trying to look like they knew what they were talking about that if I had to leave without my money they needed to call the cops so we could document that I had a valid demand note, there WAS enough money for the check to clear and they were simply refusing to honor it "just because" for the lawsuit I would be filing. I left with my money. Damned ****ers ...