Check clearing is ridiculous as well. Congress passed the Check 21 bill to make checks clear faster and prevent people from "floating" checks. Of course, now b

Check clearing is ridiculous as well. Congress passed the Check 21 bill to make checks clear faster and prevent people from "floating" checks. Of course, now banks electronically clear the checks very quickly but take another week or so to actually deposit the money into the client's bank account. During this time they make money off of your money without you having any access to it. It's ridiculous.