Dear fellow early retirees, I would like to share a bad experience I run into. Recently I sold some equities and 1 CD had matured two months ago so I decided to open a high yield saving account at the Flagstar Bank advertisement of 5.5%APY until a better opportunity to invest. I opened the saving account at the Flagstar Bank and linked it with our Bank of America checking account with authorizing the Flagstar to fund the account with $130,000. A few days later, I noticed that no money were taken from the Bank of America, so I called the Flagstar to ask if the transfer was done but got no confirmation on it other than if your web page account does not reflect it, so it was not done. I set up again the transfer already from the Flagstar Bank for this amount. Next day I got a check from the matured CD account at Superior National bank, deposited it to the Bank of America and transferred set to transfer additional $100K deposit into the Flagstar Bank for the total of $230K. For the 34.5 years being a "platinum" customer of the Bank of America, I always had deposited checks available nest day after depositing, no matter amount. Because I had quite a few CDs it was not the first time I deposited temporary for a farther choice of investment $100K to our checking account and it always was available next day. However, this time the Bank of America put it on Hold for 9 business days and when all 3 deposits were attempted to be sent to the Flagstar it bounced as it went deeply below what we had there. I called immediately to the Flagstar Bank and asked to return one of $130K back, explaining it was a mistake on my part, seeing that no deposit was made in two days after authorizing it, they returned it. Yet the $230K had disappeared: neither in the Flagstar Bank or returned to the Bank of America. On my everyday calls, response was we do not have it, call B of A. B of A rep stated, we transferred money as requested. Finally, after many complaints filed to the BBB and Federal Financial Fraud Bureau, Facebook posting, I got a call from the Flagstar Bank representative, who explained to me that by some mistakes our $230,000 stuck in a filial of Federal Reserve Bank due to all of the above and since I filed a deposit return with the Bank of America, I could expect the $100K deposit made last to be returned in a few days but the $130K wait until up to 45 days. I had never had such experience and not sure if the Feds or above-named banks keep interest free our money, but this is exactly what happened.