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If you go to bank check is drawn on and funds are available can they deny you the right to cash or wire transfer the funds to the account of choice. Even if the amount is large and you give them time to bring the money in.
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In a word, yes. Due to anti-fraud concerns, banks frequently take the position that they are not required to pay items for a non-depositor that are presented over the counter. The law on this topic is not perfectly clear, but the duty -- if any -- that a bank owes is to its customer (the depositor) and not to the payee. A bank generally cannot refuse to pay a properly payable item that is presented through normal banking channels.
Answered on Dec 07th, 2012 at 7:36 AM