I gave Bank of America, Reno a certified check from Wells Fargo because B of A held the 2nd trust deed on a property and I assumed that I could pay off the balance there. First they said that there would be a four-day hold on releasing any of the funds even though the deposit was a certified check! When I went in on the specified day they said "the back room" had extended the hold for seven days without notice! Furthermore they wouldn't take the payoff there, but I had to mail it in; they did provide an envelope. I have been a customer since 1994, although my balance was low at the time. User's recommendation: It's time to get out of B of A.