THANE: I'm seeing $20 charges on my checking account as each check clears. Why?
BANK PERSON: There's a hold on a check you deposited.
THANE: But I looked online, to see if you put a hold on that check. You didn't.
BANK PERSON: There are many issues in the check clearing process, auditing, coordination [...long winded banking BS...]
THANE: I'm not satisfied. I want to be refunded all the $20 charges. How many charges are there?
BANK PERSON: Six.
THANE: The check has cleared now, right?
BANK PERSON: There are many issues in the check clearing process, auditing [...more BS elided...]
THANE: I'm not satisfied. I want to be refunded all the $20 charges.
BANK PERSON: OK, I've refunded 3 of the charges prior to the representment [...blah...blah...]
THANE: I'm not satisfied. How long have I been a customer?
BANK PERSON: 17 years.
THANE: Has there ever been the slightest problem in my account?
BANK PERSON: No.
THANE: I want to be refunded all the $20 charges.
BANK PERSON: OK