Wow. If you do change accounts make sure you have the new bank explain thoroughly their "hold" policy on items deposited in a new DDA (demand deposit account/checking account). You don't want to wind up in a worse situation. Under Reg CC banks have some leeway in clearing deposited items for a new account and its always in favor of the bank.
Particularly important for you is to read the section in the link provided entitled "Delaying Funds Availabilty".
It was my experience as a bank auditor, and then later as a commercial customer, that banks would often have internal policies that did NOT meet Reg CC compliance. They seemed to rely on the fact that the average depositor would not know their rights or know what to do if the bank was not in compliance with Reg CC. (You have to write to the Federal Reserve District in which the bank is located.) The average customer is usually clueless. Commercial customers are
not protected by REG CC, however the Federal Reserve frowns on banks taking advantage of this and will take a complaint if there is a clear violation that is not justifiable.
Banks do NOT want ANY customer, personal or commercial, contacting the Federal Reserve. Usually, if they know they are or may not be justifiably in compliance, they will take steps to correct the deficiency quickly. They dont want compliance auditors poking around and possibly finding a pattern of non-compliance or their getting into the grey areas on a regular basis.
Banks program the Reg CC clearing times into their DDA account clearing process. These clearing times are sometimes "overidden" on an individual account basis depending on the banking relationship the customer has. In other words the Branch Manager can make your life easy or not so easy if they have the authority to "override" and most of them do. If you're getting the run around from the bank ask them if they added any special clearing restrictions on your account. Ask why they did that. Ask how long are those clearing restrictions supposed to be in place. Ask who has the authority to change them. They will squirm big time. Dont be surprised if they say they have to ask another department. Ask for a definite day and time that they will answer your questions, otherwise they will not act.
Jesus, I'm glad I'm retired and out of the biz. Of all the institutions the American public has to deal with on a regular basis, large banks are THE WORST. Everything is in their favor. They are the most dishonest and corrupt institutions on the planet. Stay with a small community bank or better yet, a credit union.