Bank Deposit Hold

Bank–Deposit Hold/Overdraft?

My bank placed a seven day hold on a check that I deposited. It wasn’t a big check only a little over $1000 (I wanted to w/d $100 of it) and I figured they must have thought the check wasn’t any good, because it went through three people at the bank before they said they will have to place a hold on it. I was ticked considering I have direct deposit with them, so why would I be trying to cash a bogus check. When I got home I checked my receipt, and noticed at the bottom it said: Additional reasons for the delayed hold was because of “frequent overdrafts in the past six months.” I have never had an overdraft/notified of an overdraft or charged for an overdraft fee. How is that possible? I do plan on going back to the bank and asking them but I will not be able to do it until Friday. Thanks.
Wow, sma are you serious? It was an insurance company check.

It means frequent overdraft in the account of the person who issued the check and not in your account.

Ron Paul’s Texas Straight Talk 7/9/12: Fractional Reserve Banking, Government, and Moral Hazard


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