No - but they can imply that you should, and if you don’t make cashing the check more onerous opening an account.

I had this happen to me 25 years ago with Wells Fargo. I was on vacation and had a check drawn on the branch I was standing in front of - and foolishly thought it easier to cash it right the and there than wait to get home and deposit it. Boy was I wrong.

I’d also done this once or twice as an actual child in the early 90s and then it was not a problem.