[gmku]

They have the stupidest rules I've ever encountered at any bank. I have to deposit a lot of paper checks because most of my freelance clients don't set up direct deposit with me. Wachovia has a policy of holding any paper-check deposit that's not a Wachovia check for 5 business days. They say it's for my own protection so I won't bounce checks in case the check turns out to be bogus. What a bunch of bullshit. This is the day of the instantaneous transaction and they have to wait for 5 days for a check to clear!!?? I think it's really so they can use my money for free for five days. I hate them. If switching banks were not so damned inconvenient, I'd do it. I just don't have the patience or time to sort all that out and start over again with an unknown bank.