Checking Account Issues

I have had a checking account with Ohio Savings for over 25 years.  I have never had an issue until the last 2 years.  First issue:  about 2 years ago, a check for $400 deposited to my account bounced.  They removed the $400, but I noticed that my "available balance" was missing an additional $400.  When I inquired, I was informed that "that is just a policy".  When I asked why they were holding $400 of MY OWN money (after charging me a $36 fee), they could not give me an answer.  They did ask "did you need the funds?"  By unusual circumstance, the missing $400 luckily did not cause any of my checks to bounce.  When I asked to speak to a supervisor, one was not available and I was told I would be contacted, but I never heard from anyone. 

8 days ago, I deposited a personal check for $8000.  A paycheck also was auto-deposited, and a few items were debited, leaving me an average of $8800.  5 business days later I transferred $4500 to another account.  No problem.  At 6 business days, I transferred $1000 to a credit card.  The next day, I charged $970 on my debit card to the car dealer.  The next day, my card was denied, and I looked up my account, and it said "available balance - $0". I inquire.  The person says, "I'm thinking what happened is sometimes a business will request double the amount to be held in the account.  It looks like maybe that happened with the $970."  I said, "What, I've never heard of that".  the response was, "Oh, yes, sometimes vendors will do that.  It should come off in a couple days".  The next day, I look at my account, and the $1000 has been returned and $36 charged.  I inquire.  I'm then told that deposits over $5000 take 7 days to clear, and it will be available at midnight tonight. Under that it's only 3 days.  I say, "o.k., let's count.  7 days would have been yesterday.  Why did the $970 clear, but the $1000 did not?  And how am I to know of this difference in policy?"  I was told I should have been able to tell by the amount available.  But the amount available was different each time, sometimes $3000 of that 8 was available.  And why was I told that story about the double holding when I was asking yesterday?  And why was I able to transfer $4500 of that money right away?

I told them I was extremely upset over this.  I asked why was my $500 overdraft not enacted?  I was told because it wasn't really an overdraft (but apparently STILL warranted a RETURN FEE).  I asked if it could be refunded as a courtesy, and was told no, since THE SAME THING HAD HAPPENED ONCE BEFORE AND I WAS AFFORDED THAT COURTESY BEFORE.  Yes, this was the second incident of them witholding a payment transfer and then charging me for it.  So I'm done.  I will be looking for another bank.