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credit union - I have a US dollar account with them. no holds on wires. never received checks over $30K (everything just seemed to go to wire transfers after the amounts went over $10K) but the larger checks I did cash never had a hold on them.
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This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog!
Now read without the word dog.
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