<prompt> Human: I deposited them Friday and Saturday morning the funds still werent there. They told me I have to wait till March 3 at the latest until the funds officially clear, because the Fed Reserve flagged the account they came from as likely to bounce. My boss is telling me thats unheard of and the money is in my banks account, and they are just holding it from me because they want to make money on it the longer they hold it. Td bank wont give me any type of print out to show proof of the thing with the checks being flagged, so i have nothing to show my boss. Anyone have any advice? Edit: Im not looking for advice on whether or not i should look for a new job, im just trying to find out about the bank issue, so i know how to deal with it. Edit 2: results The funds were released, by having my bank call chase, and chase called the person who is the owner of the account to verify the funds. So the answer i was looking for, would have been that my boss needs to verify the funds. And to everyone telling me to get a new job: when the owner of the company, my bosses boss, came to see if his conversation with chase got the funds released, he also told me hes planning to move me to a different office, where i would get a raise and benefits. So to everyone who didnt really help me with my question, and told me to quit, thank you for the shitty advice lol. Its amazing how you can ignore someones question, tell them what you think they need to hear, and then downvote them when youre called out on your arrogance. Assistant: Ok, so when a bank gets a check, they send it down to the FederalReserve Bank , who verifies that the money exists clears the check then the money posts to your account. The Federal Reserve dont work on weekends, and clearing can take 5-7 workdays. Thats how they came up with March 3 at the latest. This isnt unheard of , its how all checks work. Many banks post without waiting for the check to clear, if your a customer and theres no negative history. To be clear when they do this they are floating you a 3-day no-interest loan. Here theres a big negative so they are refusing to make the funds available until the FRB clears the check . Theres nothing unusual about it. You should never depend on a check clearing overnight or in 2 days. Its completely at the banks discretion to post without clearing the check at the FRB. Source: was a bank teller for Chase. Human: Right, I get that. Although my bosss response is, your bank is lying to you and holding the money so they can profit off it. Which absolves him in his mind of all responsibility, and makes it my problem with my bank. Im trying to figure out how to prevent this from happening again.  <response>: You can prevent it by him giving you the pay in certified funds like a cashiers check, cash, or via electronic transfer.If your boss keeps telling you the bank is lying to you, show him the Federal Reserves information about Regulation CCFor certain types of deposits, Regulation CC permits financial institutions to delay, for a reasonable period of time, the availability of funds. A reasonable time period is generally defined as one additional business day making a total of two business days for on-us checks, and five additional business days total of seven for local checks; your institution may impose longer exception holds, but you may have the burden of proving that they are reasonable.Your boss wrote two bad checks. The bank has every right to assume that checks drawn on that account will bounce. Theyll probably keep putting holds on it. The line your boss gave you about the bank profiting off it is bullshit. Banks dont profit off of seven day holds of paychecks. 