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Originally Posted by acctman
i use Bank of America never had a problem, as for funds clearing it takes 1 business day depending on the size of the check and what you average daily balance is. Say you deposit a $15,000 check and on average you have about 50-60k in your account per day, the check will clear the next day. But, if you have only $100 in your account on avg per day they're going to wait till the funds are secured before releasing. Also there's different business account levels if you maintain a high balance.
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Yes, my checks always clear the next day. That is not the problem. They keep freezing my fucken card. I have a lot of on-line transactions, like buying traffic, hosting, i buy a lot of stuff on-line. Apparently it somehow flags their computer as "suspicious behaviour" because my accounts gets frozen ALL the time. When this happens I have to call in customer service and verify my identity. It happens ALL the time. They claim they can't take my account off this flagging thing cause they claim ALL accounts get flagged, including that of the president of the bank (which I think is bullshit).
Imagine calling in their shitty customer service and then they ask you stuff, like on this date is this transaction yours? And I buy traffic and some have whack names like "Dreamblub" and Bangbros, it sounds like its porn related, and that also could be because my account keeps getting flagged.
I am so sick of it. I have been researching online and apparently most banks do this anyways, so there's no point in changing banks. They claim they also flag business accounts so whatever.