Just got back from depositing my Bank issued Cashiers check no problem.
All you really need is proof of contract. Emails, PM's etc. proving agreement, and enough personal info to be sure they are for real. Let bank verify check, then sign docs and ship.
The bank accepts checks deposited by an account holder as a convenience to their customers, but the customer is ultimately liable for their deposits.
So you can deposit any check at the teller level and they will accept it no problem. You could write a check on a paper bag with a magic marker and they would accept it, but if payment for the check or Cashier's check is denied by the issuing bank for any reason, your bank can, and will, reclaim that money from your account 30 days, 90 days, or even 6 months later.
I don't know if there is a statutory or policy limit on a bank's right to do that.
Once you deposit money into an account, it's considered to be the bank's money and they can do just about anything they want to.
Account holders at a bank are more like stockholders.
