I just recalled that I have experienced the contrary.

When I came to Juneau 19 years ago I carried a check. When I decided to take a wilderness job for the season I wanted to buy a new guitar to take with me to the lodge. I needed to get the check cashed.

The first bank I went to turned me down; they said they would need to wait for a week or so to see whether the check cleared before they could give me any money from it.

I went to a bank up the street. There the teller said a sensible thing. She said, Why don't you open an account and just withhold some of the money?

That's what I did. I had no local address- in fact, I had no address at all because my Oregon drivers license had a no longer valid address on it. So, how did they get around it? I was staying at a local hotel.