[Knighthawk]

Which is fair. If it was me, I'd ask them (politely) why the trouble with a customer they've never had before. I would tell them you've been loyal to them before, you deserve the same, and if they prefer you not as a customer, then that can be arranged. It would be a semi-bluff on my part, and I'd be annoyed too if I had enough to cover said check in my account. If it turns out bad later, they simply reverse it and take the funds away.

As a long-time customer who has the funds to cover the check, you should be given the benefit of the doubt. This is just my opinion, and I know not all banks work that way, but how mine would work (and I have had a check reversed from poker sites, but they gave me the benefit of the doubt first).

One of the reasons to this day I bank at a small hometown bank, even though it's 60 miles from where I live. Deposits I ATM locally (no fee), and I know I'm treated as a valued customer first and foremost.

The more I think about my initial response (say or do nothing), I would ask them if they really want my business or not (a matter of respect and trust). Of course, I would be polite when doing so.