One of my farmer friends moved his payroll account from BoA because they refused to cash his employee’s paychecks. That’s right, they would not cash checks drawn on one of their own accounts. According to them, you had to have an account there to cash a check. There was never a question about ID or anything like that, they just refused the checks. To the best of my knowledge, this is not even legal in Texas but lots of luck finding any recourse from the Perry-site state administration.