Bank of America Trimmier

**Review of Bank of America - 2551 Trimmier Dr Killeen, Texas
Manager Rebecca

I am writing to express significant dissatisfaction with the handling of a cashier's check deposit at this branch on 04/10/2025. As a business owner, timely access to funds is crucial, and my experience with this deposit was unacceptable and caused considerable disruption.

Upon depositing a cashier's check (a bank-to-bank guaranteed form of payment), I specifically inquired if there would be any holds. I was assured by a bank representative that the check was verified by their system as a good cashier's check from another financial institution and that the funds would be available the next business day, which was also reflected in my online banking.

However, just two hours later, I received a contradictory notification stating the check might not be paid due to insufficient funds or being a bad check. This is illogical for a cashier's check, as these funds are drawn directly from the issuing bank, not an individual's account.

Despite this, Bank of America placed a hold on the cashier's check for a period of one and a half weeks, with an initial availability date of [Original Hold Release Date - the 16th]. This delay directly impacted my business operations, as these funds were a deposit needed to start a job immediately. Had I been informed of this hold initially, I would have taken the cashier's check elsewhere for immediate cashing.

When I visited the branch the following day to inquire about this discrepancy, the management provided vague explanations and did not offer a clear reason for the extended hold on a cashier's check. I requested verification to ensure the check wasn't mistakenly flagged as a personal check, which seemed plausible given the contradictory information I received. I also questioned why I did not receive the email stating the check was "suspicious of not being paid," as this information was not communicated directly to me until later.

My attempts to resolve this issue by contacting the fraud department resulted in further delays and a sense that information was being withheld. Initially, I was told there was no way to release the funds, even after escalation. It was only after persistent follow-up with the fraud department today that a "one-time exception" was made, and the funds were released approximately three days earlier than the initially stated hold period.

While I appreciate the eventual release of the funds, the initial misinformation, the extended and seemingly unwarranted hold on a cashier's check, and the lack of transparent communication from the local branch are deeply concerning. This experience has caused significant inconvenience and raises serious questions about the branch's understanding of different payment types and their communication protocols.

The fact that a cashier's check, a secure bank-to-bank transaction, was subjected to such a lengthy hold and contradictory information suggests a potential error or misunderstanding on the bank's part. While the funds were eventually released, the initial handling of this deposit was unprofessional and detrimental to my business needs. I urge Bank of America to review the procedures at this branch to prevent similar issues from occurring in the future.

**Key Points This Review Covers:**

* **Misinformation: ** Being told the funds would be available next day, then receiving a contradictory message.
* **Unwarranted Hold: ** The illogical extended hold on a cashier's check.
* **Impact on Business: ** Clearly stating how the delay affected your operations.
* **Lack of Transparency: ** The difficulty in getting clear answers and the delayed notification of suspicion.
* **Inconvenience and Frustration:** The overall negative experience.
* **Call for Review:** Urging the bank to investigate and improve procedures.
* **Acknowledgment of Early Release:** Giving credit to the fraud department for the eventual resolution, while still highlighting the initial problems.

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