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After the announcement of a legal "dispute" I had about 3 years ago, the branch manager at my bank took it upon herself to put a 20 day hold on all my US cheques. The strange thing was, the dispute involved one of my clients from Canada, not the US. My US income was a separate part of my business from the work I did for this Canadian client.
So I had my lawyer phone her up and have a little chat with her. Since the track record on those US cheques was always 100%, with no NSF's or anything, it was unfair to punish me, especially in light of the fact that the legal issue hadn't even been resolved much less decided. In effect, the bank bitch had me guilty until proven innocent.
2 days after that phone call I visited the bank to make a deposit and she called me over to tell me the "hold" had been lifted. I told HER that when my mortgage is up for renewal I will be moving all my banking elsewhere. I'm happy to report that as of Dec. 19th 2003 all of my finances and banking are being handled by another bank. Oh, and those legal "dispute" charges were withdrawn 2 years after they were brought.
If your bank is putting an arbitrary hold on your funds for no good reason, then it's time to go talking to other banks who will be all too happy to receive your business.
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