I would never accept a personal check from anyone when it comes to buying a horse. It is so easy to get online nowdays and the buyer put a stop payment on their check from home as soon as it is written and the horse is loaded up and gone.Plus the check can be written on a closed account and you would never know it until its too late. If the husband has such an issue with it, then something is wrong.
As far as the trial period. We have done that once on a horse, we really liked this horse(knew the sellers well) and decided to take her home and see if we liked her. Well we did like her okay, but not totally sure. Went outback to ride her again and somehow she had cut her shoulder wide open. After lots of stitches and a big vet bill, we automatically bought her since we felt we had let her get hurt. Turned out fine, the mare was great. However, the same folks wanted to buy a barrel horse from us. Since we took theirs home for a short trial, we let them take this mare. She got run into something when they turned her out and they brought her back to us hurt and we had to pay the vet bill and have an injured horse, they did not feel obligated to buy her once she was hurt.
Moral of this story, do not let your horse go on a trial.
Since then when we have wanted to buy a horse, like my mare Smokie,after initial meeting at their farm, we met in a neutral place. I rode her around the arena, did all kinds of things on her and bought her then and there. She was on unfamiliar territory and did everything I asked and since it was strange for her, then I felt she would adapt well to a new home. Worked out perfect.
If someone really wants a horse then they will work things out to get that horse. Wanting to take a trial would worry me, had a friend who sent a horse out on a trial week, got the horse back after the husband took it on a week long trail ride with friends. He didn't have a horse and figured this was the way to "borrow" a horse for free and then return it. No excuses after the trial, just that he had decided he didn't want to buy a horse right then.