If she does not have a bank account with your surname, naturally she will ask the banker's cheque with the surname with which she has bank account. Hence, no need to read malafide intentions into that. (The doubt comes only when she has a bank account with your surname and she is refusing to accept the banker's cheque). Even then, to cross over this hurdle, you can take a receipt for receiving the cheque of Rs.2 lakhs in respect of memorandum.
When you are saying that a divorce petiton on mutual consent has been filed by her and the next date is in next month. that is why, I advised you to engage an advocate. Because, mutual consent divorce petition will be moved by both the husband and wife by signing jointly. In your case, it does not appear so. Hence, an advocate can clarify the situation.
After moving divorce petition on the ground of mutual consent, both the parties can ask the court to take the second motion immediately, say one month or so, without waiting the statutory period of 6 months, due to the hardship is being faced by both the parties. Then you can get divorce, after taking up the second motion and if both the parties are willing for divorce even in second motion. For all these, advocate's assistance is required.