Are there banks that actually require two signatures before they pay out a check?
It is not the bank that desires the two signatures, but the account owner. Often these are business accounts and the second signature is an internal control to take a second look at large checks, or to have a second set of eyes on the expenses.
More often we find today that banks which were allowing this requirement, agree that if the customer wants it, that is up to them, but the bank will pay the checks if any of the signatures are authorized to write checks. That way, the bank only has to be concerned with one signature, not multiples, and the business can still have its controls in place, internally.
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It is not the bank that desires the two signatures, but the 