Business ProfileforAcademy Bank, N.A.

On 4/11/2024 I deposited a cashiers check from my grandmother. This deposit was for infusions for my husband that he desperately needs. The check was a certified cashiers check. I do not have any local branches of the bank to go into so I have to deposit everything using the mobile app. The check showed approved & available 4/11. On 4/12 I checked my account. It showed overdrawn. They never notified me of a hold. My account says it was available yesterday but now it is not. They took the deposit & placed a hold on it after posting it & made my account negative. I can only guess they’re attempting to charge me overdraft fees. I called the bank immediately however, they were closed. I waited until they opened. It took me 30 minutes to get through all these questions they asked me. This is very strange as well. They’ve never asked me 30 minutes of questions to access my own accounts. I answered, no problem. Only to be told they placed a hold on my account! I do not have any notifications of a hold & my account even shows it was AVAILABLE yesterday but not today. I I just need my money credited so I can pay the bill at the Florida cancer center so that my husband can get his infusion treatment that he needs. I understand that deposits are subject to holds however, it was deposited yesterday & they did not give me any notice of a hold. This seems to me like fraud. Why show it as available then take it back without notice? I have had this same account since it was southern commerce. I opened it in April of 2012. I have never had an issue with my account. I always keep my account in good standing. To have them take my deposit and place on hold AFTER the fact & without notice will now cause me to not be able to get the infusion we have managed to get the appointment for. Because someone just randomly decided to play games with my account? My husbands life is at stake here! I need my money released so I can get him his treatment. Thank you, ******** *********