My guess is that the staff who were supposed to help you are morons.
Vicky
My bank refused to cash a US tax refund cheque because it was made out to me in my maiden name and my bank account is in my married name. I had my marriage certificate with me. It was a UK marriage certificate.
At the same time, because of their stupid, slow admin systems, I hadn't been able to get my debit card changed to my married name, so that was still in my maiden name. Plus I was still getting correspondence mailed to me in my maiden name - with both my maiden name and married name on the same piece of correspondence in different places.
I sent complaint letters to the bank and the financial ombudsman, with copies of my debit card with my maiden name and correspondence with my maiden name,which matched the cheque with my maiden name, and they still wouldn't do it because my account is in my married name and apparently banks can choose not to allow you to use both your married and maiden names - even if you provide a marriage certificate
On the other hand, I was able to open up a bank account with another bank, after I changed my name, showing utility bills in both my maiden and married names.
So it depends on the bank.