<prompt> Human: I deposited a check today and a three-day hold was placed on the entire amount. I assumed because I was depositing it at a different credit union than holds my accounts, through their shared branching program. The teller there called my CU to see if they could lift the hold. I spoke to customer service on the phone, verified my ID and all, and the rep said that if the teller sent her copies of my checks, she could get her manager to lift the hold. And then she asked me why I needed the money. I thought I misunderstood her at first, but she clarified: Is it for rent, or school, or car payment... the manager needs to know if its important enough to take the risk of lifting the hold. This seems really, uh, inappropriate to me. Whether or not a hold can be lifted should be based on procedure and not some random managers value judgement... right? I think what I plan to spend my own money on really isnt anyones business, and Ive never been asked this while doing other customer service-related business with my CU, much less as a condition of giving me access to my own money. Is this something that happens? Or do I have an unreasonable expectation here, thinking that was super unprofessional? Ive been with my CU for about 7 years and remote banking for about half that time, never had this particular issue before.  <response>: Sounds like they were going to make an exception for you and go against their usual policy, if you really needed the money urgently for tuition payment or another short-notice bill. They are not required to lift the hold. 