I once had an issue where they drained the account (transactions weren’t blocked by the bank until the account didn’t have sufficient funds), and it took the bank a full month to investigate and refund.

It’s not a trivial difference.

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lxgr 2 hours ago | parent [-]

That's unfortunate, and almost certainly a Regulation E violation on their side. They're supposed to provide a provisional credit within 10 business days.

	▲	lazide an hour ago \| parent [-]
		It was Wells Fargo, and many years ago. It could have been them violating it, or it might not have been a law yet. It was very irritating!