I deposited a large check once — nothing that would get the attention of the IRS or anything, other than that I’m normally poor — to a regular national bank. They held it for about two weeks to “verify” it, aka invest and profit off it, so I immediately went over to the local credit union (who doesn’t do shit like that) and opened an account there. Got a good chunk of it transferred with little-to-no fuss and closed out my bank account with a middle finger.