Originally Posted by Due

I heard this is random reserves the banks add to 5% to 15% of their transactions that they initially decline, they hold the monies hostage for up to 15 days and use them to cover the refunds of illegal ins fees coming from shufling the transaction order.
It increase the liquid capital of the bank with 5 to 15%.... imagine how many dollars that is for let's say bank of america!!
On top of that they can with this option when done to low balance accounts charge extra fees.... imagine that.... charge you to have you lend them money...!
They own your soul and they pimp it out for big steaks and expensive wine... ofcourse your banker will say "wow I never ever in my entire life and career seen something like this!!

I smell a class action lawsuit coming any day! I bet the first person can setlle and receive a fortune !