[utmt40]

Ok I work at a bank and sometimes when a large deposit (5k or more) is from out of town ect. can be held for a certain time frame. Also, to add to that, the bank she went to has an option on if they should place a hold. Normally, for long time customers or others with large balances there will not be a hold, however, there are people that work in whats called "back office" and double check the tellers ect. and can place holds on things of that nature. It may not have been a teller hence why they couldnt tell her why it was held. Also, if you have a savings account you should be able to link that account to your checking for overdraft protection. There will prolly be a fee for them doing the transfer to civer your ass but its much much less. Let me know if I can help you in any way.