Clearing a check for over 20,000 dollars?

Okay, I have a dilemna. I have a check with me and my co-signer for 20,000 dollars, but we don't have the same bank, and they wont let me put the check in her account because I don't have an account with them, and I can't get one because I have no state ID (This happened at Chase and Citibank), do you people know any alternative routes I can go about getting this check cleared as soon as possible?