I have a check from unum Life insurance company for a policy that my husband had it is...

I have a check from unum Life insurance company for a policy that my husband had it is drawn on a Bank of America account. I do not bank anywhere or have an account anywhere. I have a couple judgments against me and if I put money in an account they will take it right away . This is why I do not have an account. I live * hours away from any Bank of America. I need to cash this check to buy a house as I have been homeless for about the last year. it's a large check , $**,*** , They're telling me that they cannot give that much money to one customer because they have other customers coming in ,etc. and I'm not a client or a Bank of America customer so they will not even make an appointment and make sure the money is there for me to come in .I'm very frustrated with this issue. I was wondering if there is any way that I could bring the check into a Bank of America office and have them issue me a cashier's check into my son's name and he was going to put it in his account and give me a debit card for it. Would that be a possibility ?? I'm dealing with the Des Moines area thank you for any advice you can give me.only one branch in Des Moines ever answer the phone so this is why I'm getting frustrated thank you