I tried to cash a vacation pay roll check at my bank, back in the 70s. If memory serves me it was for about $3,000 and they told me I’d have to come back the next day as they didn’t have that much cash on hand. I was shocked that a bank wouldn’t have that piddling amount on hand at any given time. I’m not sure to this day whether they were telling me the truth or for whatever reason they just didn’t want to let go of that much cash that day.
I went back the next day and sure enough, they cashed it.
Well it’s the policy at a lot of places now. Wells Fargo branches in Safeway grocery stores in California have a limit of $2000 for cashing a check, for example.