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Message: <blockquote data-quote="BadgeBunny" data-source="post: 2064712" data-attributes="member: 1242">This would not be legal (not that that has ever slowed a big bank down before). Checks are demand notes. Debit cards are a little different but the same basic idea. If the money is there and a demand is made for it, by and large, they have to release it ... (I know, I know, I did my little disclaimers ...)This is why we bank at a little bitty, t-tiny credit union. Yes, there are certain "conveniences" we give up. Yes, the loss of those "conveniences" is more than worth the peace of mind and personal service we receive.</blockquote>