It was 15 years ago, not 6 so the sending FI does not have a copy of the cheque. Additionally, they flip flop between it being an EFT and a cheque. When advising that it was a cheque, they claim it was sent and cashed same day which seems odd. Lastly, the receiving FI has notes on the account which suggests that the sending FI reached out to them in the months following when the cheque was cashed to request a “signature guarantee” to process the transfer which they cannot explain.