I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check. 
