I opened a checking account last Friday at a US Bank. Opened it with a payroll check, which was for roughly $900. I was told this morning by a friend that there is a good chance I will never see any of that money because of a previous incident I had with a different bank (overdraft, got caught up in borrowing money online from Cash Advance places, etc...In any event, I now owe the previous bank a good deal of $$. I am working now and intend to make up my debts). In any event, can my new bank put an immediate hold on my funds, once they are available to me?