Poor Treatment By Bank Of America

We have been Bank of America customers for over 30 years.  In 30 years I have never had a check returned NSF until now.  We have two business accounts and a personal account.  I wrote a check from my personal account to my business account and deposited it into the ATM at 8:30 in the morning.  This was all between Bank of America accounts.  Later that day I wrote a check out of the business account to a third party.  Little did I know that for the first time ever in my relationship with Bank of America they had put a hold on the deposit at 1 PM that day even though they knew the funds were there because it came from one B of A account to another.  As a result, the check I wrote to the third party was returned (even though the funds were there) and I was charged $35 for the returned check (even though the funds were there).  I went to the local branch and all I was told was that they had the right to do that and the hold would have been noted on the ATM receipt.  I went home and looked at the receipt and it indicated that the funds were deposited that day with no mention of a hold.  I went back to the branch and spoke to someone else who (while the answer was no different) was at least sympathetic and helpful as opposed to the first person who defiantly stood behind the "bank rules" and left us helpless.  Ultimately, I did get the $35 refunded and a letter given to the third party's bank explaining that the situation was a result of an internal matter at B of A and in no way reflected on us or the third party.  I have since talked to other B of A employees and no one can believe that a hold Was placed on a deposit between B of A accounts when the funds were there.  Last week my husband made a deposit to his business account of $20000.  We needed the deposit to post so we could pay payroll taxes.  We were told that $5000 was being held until the next banking day and the balance was being held 10 days.  He also deposited $25000 in checks from Kraft Foods Int'l a nationally known company.  He has been depositing these checks in these figures weekly ever since he  opened the account 4 years earlier.  They also said that they would release only $5000 with the balance to be held for 10 days.  This was the first time they had ever done that even though we had NEVER had a check returned since we opened the account.  Since he needed funds to deposit immediately he asked what he could do to get the funds deposited quicker.  He was told he needed to make a cash deposit although they did not advocate this for safety reasons.  Left with no choice, my husband had to go withdraw money from another bank and walk $20000 cash into the bank which was located in a less than stellar neighborhood.  Ny husband went back five days later to see why they still were holding the funds when they should have been cleared by then.  The telephone agent said that the funds still had not been released by either of the other banks ( Citibank and Chase).  If that were truly the case then why did they release $5000 on each deposit?  We feel we are not being told the truth but you can't talk to anybody with any power and customer service savvy.  When Bank of America was a California company and you could speak with managers in person who had power it was a great bank.  Now, all I want to do is move all of my accounts to a smaller bank of credit union that works with you instead of against you.