Useless and fraudulent bank My review is about the bank issuing me what I deemed to be a bad cheque. I deposited about $20k state cheque in my account and the next day I received 5k and balances was on hold for 2 more days, after which I paid my cards based on the 5k. To my surprise they recalled the 5k advance and my cards payments were all declined. They can't give me a good reason why they have to go that far, my only reason could be because I'm black, so that cheque must be questionable.