I know what you saying...
BUT I live outside USA. Tried making a transfer but BOA asked for my 'pin' which I do not have.
I just have a bank account in US without any ATM/Credit card.
So couriered them a cheque.
Wonder why it would cost them anything to encash... Hmmm.
US Banks are tacking on fees everywhere. If a business processes large numbers of checks, there is a fee added on. However, I expect that large businesses do not pay those fees, just small ones with little clout.
Most banks do not charge consumers a fee for depositing a check, but it you take it to a bank, watch out! About 2 years ago, I sold a camera to a newspaper and they paid with a business check, as is still very common. Normally, I'd just deposit it, but in this case, I took it to the issueing bank (Wells Fargo) and they charged me a fee to cash their own check. I complained to the manager, but he would not back down.
I have nothing more to do with Wells Fargo.