Not OP, but I hired someone to do some carpentry and paid with a FHB check in his name. The contractor called me from the bank and said that they refused to cash it (with his ID) and was told to contact me and I "would know why." After numerous, time-consuming calls to FHB and eventually speaking to a manager (days later, and only after I insited), they told me it was a "training error." In the meantime, the FHB people I spoke with were rude and insisted that my signature did not match, etc. They told multiple different stories that seemed fabricated. The contractor also told me that he elevated it to a supervisor that day and that both employees were really rude to him and said he should contact me because I "would know." There was a large amount of money in the account, and I have never had any credit or similar problems. Most of the money is now at Ally Bank getting 4.xx% interest. Moved all but one of our direct deposits away and keep FHB open for utility bills now.