This is like some kind of sick joke.

Man goes into a Bank of America branch in Tampa to cash a check his wife had written to him on her Bank of America account. Bank says, whoa, you can’t cash a check without an account — well, OK you can but first you have to give us a thumbprint. Man has no arms, was born without them. Bank: Well, you still can’t cash a check.

Unless you open an account.

Update: Further up the foodchain, BofA is also looking to get out from under regulatory detention by repaying some of the bailout money associated with the Merrill Lynch takeover.