Hi, thanks for the replies. I talked to the bank already about that and they said absolutely not. They said the rules apply to everyone. They said there is a 9 day hold. They will not allow to get some money out or hold some for them. It sucks real bad. That is because I am starting a new account. Even if I had been with them for awhile they said it would be a 9 day hold anyway. I can't do direct deposit until I have the cash to put in there. Thanks again. I appreciate the replies. They said it is that way for all Government Checks, Social Security being the main one. ugh, saddens me even more.