It basically comes down to the this. If it walks like a check and quacks like a check, then it is a check under Reg CC.
If you have to present it through channels other than the normal check collection channels - a sight draft for example, then what you are presenting would be true.
There would have to be something else wrong with the item for the bank to which you present the item to return it after the midnight deadline - endorsement issues for example.
The online definition that you quote was very true prior to Regulation CC, but no more. I know, because I spent a lot of time with our insurance and other customers that used these types of items when Reg. CC first came in to the picture explaining that it was no longer business as usual.
The opinions expressed are my own, take them or leave them.