Yeah or they do what they did to me last month. Hold 50% of your fucking check deposit for 5 business days, under the bullshit guise that they're "making sure the check clears", when in fact they're taking my money and investing it for a profit, without my fucking permission, while simultaneously inconveniencing me by not letting me have access to my own fucking money.
It was a check from the United States Treasury. Pretty sure they knew it would clear. They used to (understandably) do this with checks over $10,000. Or with brand new accounts. This was a $400 check on an account that is 8 years old.
As with most things, over time, they take liberties they shouldn't take, and the sheeple masses don't realize they're modifying things. Ever notice how Christmas trees used to be really wide? I haven't shopped for a Christmas tree in 10 years. When I finally did, I saw how they'd shrunk 50% in width, yet cost just as much, or more. If you rape the public as slowly as possible, they're like frogs in a slowly boiling pot. They dont even notice. Knock off an inch or two in circumference every year, and in 10 years the trees look like a narrow pillar instead of a tree, and people happily buy it. Do it too quickly and people bitch and complain.
-B-
Here is a very over dramatize video that clearly describes what you are referring to.
Sometimes the bias stuff has legit info http://themindunleashed.org/2014/01/biggest-scam-history-mankind-debt-ceiling-truth.html