[Pithiny]

ralok_j,

Since you have info!! I wonder why BOA has not held checks before? Specifically a payroll check that I deposit like clockwork.

This is a new guideline, I think having to do with the fact that for the last 3-4 months, I have deposited my checks and immediately withdrawn it, all of it, leaving a very low balance. I do this twice a month. Sure---this affected my "average daily balance" but they have never held a local check before this.

Also, I could tell that I was not the only problem they had in the bank yesterday, there were 3 visible security guards, one of them on me like white on rice.

I think something is going on, although it might be branch specific. I'll go to another branch tomorrow and see what's up across town.

Also, I do realize that checks are not money. I also know you can write a check on a napkin and cash it. You can write the elements from a check on ANYTHING and take it to a bank to be cashed. I also realize that actual MONEY is not worth the paper it is printed on and is not backed by anything of value, and beyond that, it is really a "DEBT" that someone owes that I am simply passing to someone else. "Legal Tender" only becomes valuable when you redeem it for something of value, food, gasoline, gold, silver, whatever.

I also know how to cash unsigned checks, in fact when I owned a business and people forget to sign the payment/check, I have never sent it back to them to be signed.