Good morning. You are correct. The bank should have accepted the check because you had signed it. Banks often think their policies are the law; they are not. Many times banks have people in position that are pretty much the "Barney Fife's" of the banking world who get way too carried away with their own authority...following the motto that you don't have to be right if you're sure. In this case, the bank was legally wrong.
I hope this has given you the guidance you were seeking. I wish you the best of luck!
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The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.