My bank can support my phone or accept that I'm going to come waste their time in person, I'm not backing down here.

Many banks nowadays charge higher fees for teller service.

I went in to cash a check at a bank a few years ago and they made a huge show of it, taking over half an hour and various employees for a couple hundred dollars. They will absolutely win if they want to. A large organization can easily create more friction than an individual can bear.

Thats their issue that they want to pay several staff half an hours wage for cashing a cheque. I would have been enjoying every second of the farce.

Your time must not be valuable to you, which is a very limited perspective.

You don't understand. They will make you pay for it by charging a handling fee. How about $10 flat per transaction?