I read an entry very similar to mine. He had deposited checks in his account, his account never went in the red online, however, they held his funds as unavailable even though he had deposited them in person, and he ended up bouncing all kinds of checks that night and the next day.
This similar situation happened to me. I had deposited $3000. Online, my account never went in the red, I always had the $3000 plus whatever else I had in there as available funds. I continued to use the funds I had over the $3000. They held the $3000 for 2 weeks, then I wrote a check for $3000 to someone, and their bank tried to cash it, but since my bank had a hold on it, it was unsufficient funds and I was charged a $32 fee. This snowballed into me bouncing another check and before I knew it I had a call from a business saying they were calling the DA if I didn't pay my for my bounced check.
I was appalled. Online, I had enough money to cover my check, plus the $3000, but since my stupid bank charged me the $32 fee (for funds that were there, just on hold) I had to pay $64 in fees plus the business charged me their own service fee, and US Bank did absolutely nothing to help me out or refund the fee. I immediately closed my account and I tell everyone I talk to not to go there, they care more about making their $32 fees than keeping a customer happy.
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