Opened a checking account in person with a check from USBank for $5000.00, USBank online account showed debit for that amount on same day and Bank of Oklahoma online account posted 1 day later with the full amount, but online account showed $0.00 balance. Called to inquire and was told that because it was a new account was new it would have a 15 day hold. Cannot have access to certified funds for 15 days is ridiculous. Go elsewhere for your banking needs