my bank froze my savings acct.3 yrs ago.When can i get my money?

Question

I deposited some bad checks in my checking acct.They closed that acct. I also have a savings acct. at the same bank w/ approx. $1500 in it-they froze this acct.due to the bad checks I deposited.They also told me they cld only freeze it for3 yrs.& then I would be able to access my acct. O.K., its been 3 yrs. and they won't let me get my money!! What can I do?

Answer 1

If you owed them money for the other account, the amount you owed them would have been taken from your savings account. If the checks had been made good, then you'd get your money back - if they weren't, hey, you got the money from the bad checks before they bounced, so the bank doesn't owe you anything unless the checking account was short less than the $1500 you had in savings, in which case you'd get the difference.

Answer 2

. ah, we suspect you're not telling us the whole truth, but we'll just work with what you said.
I never heard of a 3-yr limit on freezing an acct. It's frozen until YOU pay for the bad checks. Info from the nls site:
"...Your bank account has been frozen because you owe money to someone. Any creditor that has a judgment against you can have your bank account frozen. The creditor can actually freeze your account for up to twice the amount you owe. This means that you can't write any checks or make any withdrawals. If you make deposits, they will be frozen as well. Your account will continue to be frozen until you pay the entire amount you owe your creditor. To actually take your money, the creditor needs to get a 'turnover order' from a judge. "
"...many states allow debtors what’s called a “wildcard” exemption of $1,500 to $2,000 in property or cash to be used as the debtor sees fit."
"...If you receive a notice from your bank stating that your account has been frozen, look for the lawyer and phone number that is listed on the notice. If you didn't receive a notice after your account was frozen, call your bank and ask for the lawyer's name and phone number so you can settle the account. " ........
.. call that bank's laywer and get this fixed. .