I am very upset and disappointed about my experience with Bank of America. They should be named the worst bank. I have spoken to 3 customer service reps, 3 managers and my issue still has not been fixed. I deposited a TRUST FUND check into my account and they are holding my check for 12 days. 12! With no legitimate explanation. The federal reserve validates and processes checks within 3-5 business days, however, my check is being held well beyond this time frame. The bank was not even interested in validating the check or calling the issuing bank, they actually flat out refused. Crappy service! You are not a valued customer at Bank of America, no matter how much money is in your account.