So my grandmother passed away a few months back, my dad decided to give my brother and I a part of his inheritance. He gave us each a $5k check. My brother cashed his to his bank, it cleared and was available for use the same day.

I bank with Citizens Bank, they put a one day hold on it… then… in the middle of that one day, they added a second hold to it. I call and ask why there’s two holds, they tell me “it’s a law from the government, the federal government is holding it until the 18th to protect you and the check writer.” I asked them what law… the guy couldn’t tell me… he just keeps repeating himself, “it’s a law from the government, the federal government says we have to hold it.” Over and over and over until I just hung up.

Basically I’m just confused why I’m being treated like a criminal, whereas my brother got his money right away. I deposited my check on Wednesday evening. It cleared my dad’s account on Thursday morning. I have a job working for state government, and my account gets regular direct deposits, and those even get deposited one to two days early!!! I have yet to have an overdraft on this account. My car payment is directly tied to this account as well, and I have never missed a payment. They insist on holding my check “because the government told us we have to.” Yet my brother…. who works at a bar, and gets more sporadic pay… no problem, here’s your money.

All I know is, I’m very glad that I wasn’t depending on this money for anything… 🤦🏻‍♀️

Sorry, just ranting.