Cashing an insurance settlement check at the check's bank? (on chexsystems)
I think your friends are right. You can cash the check in the local BOA.
Get more information on Chexsystems from the following page:
You will be able to cash the check at a local BofA branch. They may charge you a fee, since you don't have an account with them, but they will cash it for you as long as you have photo, government-issued identification. Don't be surprised if they also have you put your thumbprint on the check.
where you able to cash it?
With a 10K check I bet they'd be willing to make an exception and give you an account...