Arjuna, you are correct in that. I receive several checks a month drawn off a bank that is not my own. There are no branches of my bank in the city I live in-I never changed the account when I moved, and with the check card, automatic debit and such, I haven’t had any sort of need to change banks. Rather than drive 2 hours to the nearest branch of my bank, I often go to the bank upon which the check is drawn and receive cash on the spot.
Along the same lines, in a former job I often had to call the banks that returned checks were associated with, and take the check to the bank when the funds were available. The bank would usually issue a cashier’s check for the amount of the check, and I would pay the fee associated with it out of petty cash. Some banks wouldn’t give a cashier’s check, but would actually cash a check not made out to me, but to the business I worked for.
I am always asked to give my right thumbprint when I cash a check at a bank that I don’t have an account with. At most banks, if you don’t want to do that, you’re going to have to deposit that check into your account and access it from there.