the miracle of modern japanese banks

Or: Why Not To Use Checks In Japan

So I got sent a 15,000 yen check from the Bank of Bali, written against the Japanes Bank UFJ.
First, I take it to the Citibank in Hiroo. Where, besides being condescended to, I am told it will cost 1500 yen, TEN PERCENT of the face value of the check, to deposit it. Their attitude sucks and they pissed me off, so I walk across the hall to Shinsei Bank, and am treated with respect and courtesy, but unfortunately they are unable to process a yen check. Dollar check, no problem, but not a yen check.
I wander aimlessly looking for a UFJ, and for the fun of it pop into the various banks I pass, seeing what the reaction is to a Japanese yen check from Indonesia. I am quite certain that one teller had absolutely no idea why I assumed she should give me actual yen money for the piece of paper I brandished. I might as well have shown her crayon doodles.
Finally found myself by Ebisu station in front of a big UFJ branch office. After taking a number (51, the board showed 40) and waiting twenty minutes, I was told I'd have to go upstairs to the foreign currency counter. It's a YEN check, I said. Much bowing and apologizing and sucking-of-air-through-the-teeth and checking with The Boss, and once again I was told to take it upstairs to the foreign currency desk.
So I went upstairs and handed the check to a woman who reacted as if I just handed her a piece of rotten meat. She immediately took it to The Other Boss, who made some phone calls, mumbled alot, and finally came towards me with much bowing and apologizing and sucking-of-air-through-the-teeth.
He said straight up, and I appreciate his candor, that I had three options:
1 -- go back to Citibank and pay the 1500 yen
2 -- send the check back and tell whomever sent it to do a direct international wire transfer instead (his personal recommendation)
3 -- open a UFJ account, deposit the check, wait 3 days for it to clear, and pay for the privilege 3000 yen (his begrudingly second recommendation)
By now I was simply fascinated by the education I was getting. Ten years in Japan and yet so much I didn't yet know.
Since I was in already in Ebisu I just hopped on the Yamanote line and went to Shibuya up to Citibank, gave them the check, and deposited 13,500yen into my account. So simple! So convenient!