Banks now charge you to cash a check there if you don't have an account there. So, if you get a check from work to go buy something, and the bank it is drawn on is not yours, but Wells-Fargo (for instance), you will have to pay $3.50 to cash it ($2.50 at B of A).
This absolutely drives me nuts! The check, drawn on that bank, is NO GOOD. It does not pay the face value! And they will not budge. Believe me, they won't. I think I was a few angry words away from a silent alarm when I got going about this in the lobby that one time!
The standard answer is "well then cash it at your own bank". Why, so they can "hold" my money for a few days while it clears? What if it's a lot of money and I can't cover it? What if your last paycheck bounced and so this time you want to cash it?
This makes me so mad I can't even write about it any more!