Wow.. unbelievable. Esp that the thread has been open since October 2023, and more cases are popping up in April/May 2024. I just opened an account and set up envelopes, but I think I'll just go ahead to close it. My bank puts hold on large deposits too, but at least I know I get it after several business days and they won't just close my bank account!!

Thank you to those who have been posting about their experience.