Why must I have to prove myself over the phone that I am who I am?
I was a builder, retired now. Every time I sold a house, I would have a very large check to deposit at the bank, a certified check made out to my company. Every time the cashier had to get the manager to sign off on the deposit because it was waaaay over her limit. So, one must wonder why there would be any limit for the cashier to make a deposit of certified funds made out to the company listed on the account. And the point is, businesses do things that dont make sense to many of us. We live with it because there is no alternative.