RBS Citizens Bank Account Or Service Complaint

RBS Citizens Bank account or service department,

Checking account Deposits and withdrawals Pennsylvania

I recently opened - checking and - savings account with Citizens Bank in Massachusetts. - checking account was for a business and - checking/savings account was for personal use. To open the accounts, I deposited - checks totaling $22000.00. - of the checks I deposited was a cashiers check in the amount of $7500.00. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used - other personal checks instead. These personal checks, totaling another $7500.00, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me $40.00 in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the $40.00 in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged $40.00 in fees.