My wife has not gotten the actual checks. She "believes" that banks are no longer required to provide them. New bank regs might prove her correct.

To me the actual checks are crucial.
Also crucial is to make the FBI aware of potential bank fraud.
So far they consider it a consumer issue. At this point I will even consult Secret Service since they are guardians of what is real money and what is not.

Paying in person from now on as well as changing banks is what we are now doing henceforth.

My wife also has a skewed sense of fairness and refused to pay a lawyer his second fee since he did not provide the services promised.

The level of sophistication leads me to believe a lawyer's expertise could be used against us. A lawyer has different tools of retribution than the rest of us.