That's quite true.
Regardless, I would agree with what is assured to be the customer's view: The exercise was ridiculous. If the bank doesn't like the check, then it shouldn't take the check. If it doesn't like the check, but takes it anyway there's no incremental shame in making the second ridiculous decision and sending it for collection.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.