Where do these banking policies come from? Bank of America is taking advantage practicing 'back door habit's on a gross level. Recently my husband and I closed our bank account (checking) after waiting for all check's to clear. Two check's had not cleared and were written by us approximately six month's prior to closing our account. We could not locate the payee as he was a helper that came along with a contractor to do some work on our home. We thought maybe the check was lost or misplaced by the helper. The other... read full review »