The certified cheque was done in 20 minutes. All that was required was two pieces of photo id, producing the debit card and entering my pin to access the account.

This wasn't even my "home" branch, zero prior relationship with this branch and I walked into a random one on my way to work.

I'm guessing there are hoops to jump through if you're clearing out your entire bank account because it could be grounds of suspicious activity by the branch manager.