Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Cashing a check without an account Deposits and withdrawals Missouri

My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's - - -, -, MO - office at - on - -, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.