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Message: <blockquote data-quote="1shott" data-source="post: 4269267" data-attributes="member: 29">Its not a conspiracy. Banks have protocols they have to follow that protect us the customers, account holders and the banks. I have had large checks held until they clear. I had a check one time that showed a deposit then vanished. I called the bank, they assured me the check was deposited it wont be visible to me until it clears. It was a rather large check, I did not like it but I rolled with it, about 2 weeks later the funds were visible and able to be used, Recently, same bank since 1979, I had 2 decent sized deposits made, one by check, the other direct. Direct was available next day, the check I called and spoke to a lady, explained what was going on, she asked me a few questions, I sent her some documents supporting the validity of the check, she authorized the funds to be released next day. Its all about fraud protection, while annoying and frustrating sadly its needed in this day and age. I recommend build a good solid business relationship with a bank. I know the loan officers well so getting a mortgage, refi, auto or personal loan is very simple. My business relationship with this bank has been long established.</blockquote>