Stop in for a cup of coffee

ScampMike said
with my "bank" - it's a Credit Union - I am pretty sure they don't have it on hand so they have to contact their holding co. and have it sent to you - they will not send it to someone else

Can you call ahead and have them send it to your local branch...

I think that's what the guy I bought mine from did. He called ahead and had everything arranged for us to pay it off and go...