[Lichgod]

Our mortgage holder bank send us a check from their bank (letterhead and all) for excess funds in our escrow account. The mortgage account is the only account we have with this banking firm.

We took the check to cash at their local bank branch. They refused to cash their own check unless we had a checking or savings account. They acknowledged (1) we had our mortgage with them, (2) it was a valid check issued by them, (3) our IDs said we were the same as those listed on the check but still would not honor their own check unless we opened an account.

We cashed the check at the banking firm that has had our checking account for 20 years.

[meatloaf]

Banks dishonoring their own checks used to be a violation of federal law. I’ve gotten at least two tellers disciplined for that ... supposedly.

[sheana]

We had a rental that was broken in to and the junkies left a candle burning. It burned. The insurance company sent us a check. I took the insurance check to the bank that held the mortgage to pay off the loan. We were leaving on vacation the next day so I just wanted to get it done before leaving.
You wouldn’t believe what I went through. They had no idea how to process it. The only reason I got it done was because I worked with the manager of the banks husband. lol

[Kay Ludlow]

When I went to pay off my mortgage a couple of years ago, the credit union demanded ID to move money from the savings account to the checking account, but the bank with the mortgage DIDN'T need ID to accept the check for the payoff. I don't care how you look at it, that's just backward!