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Thank you for your prompt response! I have a quick follow-up question:
When you say they are only allowed to hold a check to withdraw or use my funds, here is what they told me:
They now are changing what they originally told me. The rep said yesterday that because I have a checking account: "It is only going to take ten days to clear. If you did not have a checking account with us, it would take 30 days to clear." This is exactly what she said.
Does this make sense? If they have proof of my account via the check I sent in with all the account numbers and info matching, shouldn't my money be available today?
Should I go to the bank examiners also?
Thank you again! I just spoke to the bank officer at the Long Island Branch.
Now I know what happened. Yep, they made another mistake - they thought my check was coming from an outside bank. I can't believe this...I actually provided them with the bank routing number AND my checking account number to show that it was an internal check, from the same bank. At least in this case, they say an internal check does make it immediate, no 10 day wait.
She just informed me that as soon as they pick up the mail today they will process my account immediately and my money will be available immediately.
What's really upsetting is that I just found out if I had done the electronic funds transfer, my account would have been opened 2 weeks ago. But the Ohio rep told me a check is faster.
Unbelievable. If I didn't like my local Brooklyn branch so much I'd close the online account altogether and go with Barclays.
Anyway, thank you so much!