I have an account just for paying by insta-check at different places, not just sportsbooks. If i am going to reload at a book and pay that way i make a deposit to cover that transaction, otherwise there is a minimum balance there.
I have played at several books that offered me $25 over the years to open an account and they all required me to give them my bank info to cash out and all have paid. I think it helps the book out, as far as making sure the same person is not opening up multiple accounts. I would do the same.