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My bank, Capital One, just called me and told me that the problem was with (I believe she said it's a new policy) that the Federal Reserve. Basically what happens, any of us make a deposit into our banks (mine is Capital One), that bank sends those checks to the Fed (the Fed is basically the federal bank for banks and they have different locations across the country), the Fed then takes those checks and takes them out of the proper bank account (in this case it would be SIC's Bank of America account) and deposits them into the proper bank account (in this case it would be Capital One's account). Apparently the Fed converts the checks to IRD and they have made some mistakes with these checks, whether it is coding them in on some sort of copying process, I don't have a clue. My bank said for me to bring the check in question to them and they will code it by hand and collect the funds and deposit them into my account.
Hence, for all concerned it was never a problem with SIC...it's a banking issue.
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