Just because your wife was told no for an answer does not mean she was mistreated. Getting angry and taking irrational action just because you cant have what you want when you want it is childish. And there is noting rational about closing your account because you have to wait for a check to clear!
My credit union offers $500 immediately for checks, then the rest has to clear.

Think as this as protection for both sides - they aren't out any money, and imagine if your wife got the cash, you spent it, and the check bounced. You would most likely owe them money, and both parties would be pretty much screwed over in the end.