I can see why owners don't place the deposit in there...What a hassle to get the money back. I am in the process of getting money back from a deposit that was placed in this bank under a certificate of deposit. They require a letter written from the owner and your own letter and then 3 days to get your funds. The other alternative is no letters and a 15 day wait. It is crystal clear why owners just hold the deposit in their own bank account. Ridiculous.