It is substantially different. One is an administrative hold that can be lifted by the bank. The other is an inter-bank transfer process that maybe has to go t

It is substantially different. One is an administrative hold that can be lifted by the bank. The other is an inter-bank transfer process that maybe has to go through the courts. The reason the person in this article has had such a hard time is that he has to convince more than just his bank that they screwed up because they don't have his money any more.