Perhaps it might be simpler to view things in a different light. All you are doing is making a demand. You can demand anything you want all day long. It is up to law and maybe more principles of metaphysics, including your mastery of natural law that obligates the bank or the other party, spouse, child or preacher, plumber etc. to perform.

Why does the bank care one way or the other about your demand? If there is nothing to Title 12 USC §411 then why would the bank give a hoot about your demand?