It's not and you weren't.I was perfectly clear with the cashier in that I was transferring to another institution.
The account wasn't even open/active yet!
What else could they do other than issue you with a cheque/draft if you insisted on payment there and then?I was issued a piece of paper that pTSB said, "keep that safe cause lose it and you're screwed".
What's difficult about you keeping the cheque safe and then lodging the cheque when your PTSB account is active?I would have thought modern financial institution would have these bases covered and it should be an easy process.
As I said you seem to be getting unnecessarily worked up about something hypothetical/theoretical and letting off steam about what you see as EBS staff incompetence.
If you really think that you have a legitimate gripe then make a formal complaint to the EBS and then take it to the FSPO but you'll almost certainly be wasting your own and their time.