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some much of it is up to the tellers, which frustrates me and made me switch to epass in the first place. sometimes there is no hold, sometimes 7 biz days, sometimes 20 (official policy).
sometimes the check fees vary. sometimes a few bucks, sometimes they don't notice they are american so nothing.
sometimes they are interested in what i do and are nice other times they treat me like in just got paid from bin laden.
i find there is much discrepancy between the official policy and what the tellers enforce. so those who say there are no fees or holds you might have just been going to that bank since you were a paper boy or something.
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