I am a bit confused. What do you mean "sign off on the insurance checks"? Doesn't the insurance company issue the check? Why does BofA have to sign off on anything?
If the people have accounts at BofA and they won't accept the check, then just go to your local bank or credit union and open a new account and deposit it in there.
(I personally ditched all banks personally in 1983 and ditched my business bank in 1999. All my accounts are at credit unions that were local to me when I lived in the area the accounts were opened up at. With "Credit Union Service Centers" at many CU branches [for whatever CU -- does not matter] I can continue to easily use those accounts even if I live across country now. I had a BofA Visa card but got rid of it long ago. They are the biggest turds I know. And that includes in comparison to Citi)
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