In the winter of 1996-97 I brought a motorcycle down to San Antonio. Rode it for a few weeks, then put an ad in the SA Express and sold it. Dude paid me with a BOA cashiers check. I traipsed on down to the local BOA on Culebra Rd and tried to get them to transfer the money to my account in Illinois.
No sir, no can do. You don't have an account, and we can't do a thing. Called the BOA help desk, and they said sure, no problem, just take the cashiers check to a local BOA facility and have them contact your bank for the BIC code. Stopped at the BOA on Tezel Rd, and ......same crap. "You don't have an account." "No ma'am, and it's quite likely I never will, if this is the way you handle business."
Haven't dealt with them since, and I'm quite happy with that arrangement.