Very confusing English.
"Here is the check" would fit better.
Shouldn't it be "here is you check, please"?
Why "please"? It's not a request.
Simply "here is your cheque" is what would be appropriate. I would interpret the sentence goven to mean that in this place, I am the cheque, whatever that might mean.
"The check, here you are" is no more awkward than the given answer (both are quite awkward), and means the same thing, but is not accepted.
Why oklaa not ole?
Google suggests that "olkaa hyvä" is when you say something to multiple people at once.