I understand that large checks need to be verified but if the money was already cleared and withdrawn from the other account, it just doesn’t make sense that some or all wouldn’t be made available to me. My account is over 30 days old and I’m in good standing, no overdrafts or anything. Banks have individual policies on how long funds can be held in this way, and commonly holds are in place for less. If your transfer has been placed on hold, it usually means we need more information from you to deliver money to your recipient. Holds are used to ensure that customers have enough money to cover transactions. Is there anything I can do at this point to at least get the partial amount that was supposed to be available? Should I call again, or go into the bank and speak to someone? I was counting on that money for bills and food and such. Online banking allows many banking functions to be performed quickly, but money still moves at a deliberate pace. A debit card hold is a freeze on funds associated with a debit card until a transaction successfully clears or settles, in banking terminology. But I talked to the person who wrote the check and she said that the full amount was withdrawn on the 29th the day I made the deposit. However, I received an email later that the hold for the entire amount was now until 01/08 because “check items indicate a return is likely.” I called customer service and was told that they couldn’t verify that the funds were available in the other account. I was told that there would be a hold on the deposit but that some would be available on 12/31 and the rest on 01/06. ![]() ![]() I recently deposited a larger than normal check at Bank of America.
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