This is urgent and the most important post I will ever post here

I want to start this out by saying I know the BS flags will come, but for people who read this board and are serious about it, please keep reading. I'm just gonna tell what happened to me and the questions are at the bottom of the post.

I know this is serious, I just don't see the bigger picture or the smaller one for that matter.

My husband's retirement check was direct deposited yesterday (Wednesday August 30th, 2011) This check goes into our account once a month on the 23rd of each month.He has his SSDI that comes on seond to the fifth of the month.

So I go into the bank to cash the check and deposit some of it into our savigs account. I have the check endorsed, my license out along with my debit card in order to make her day a little simpler.

She processes the check and then explains to me that she can only give me 100 of a 1500 dollar check. I tell her I need 500 of this check for bills and groceries. I explain my account balance is greater than the check so there should be no problem.


I said excuse me (very politely) And she tells me they are low on money. She then goes on to tell me that everyday towards the end of the day they contact someone to let them know how much cash they have on hand and how much they will need the next day. An order goes out and an armor car brings them their money so the next day it is business as usual.The trunk hasn't come and they are rationing money to gt by until the trunk comes.

At this point I am still in shock. She explains to me that I can use my debit card today and I can have the balance of my accounts tomorrow in cash if that's what I want to do.

At this point the manager comes out and asks if he can be of help to me. I explain the situation to himm and ask for the original 500.00 I came in for. He tells me with "deep regret" bullshit in his voice that he can not help me with that. He then acts like he has a phone call and walks away.

I have thought of this 7 different ways to Sunday.
I am not an illegal. I do not countierfit. I do not use drugs, I have no warrants out fo my arrest,so they didn't siganl me out.

I take my husabnd to speech therapy and his therapist tells me she has an older female client that told her she couldn't pay her for the same reson. She told almost an identical story to mine.

My questions are; under what circumstamnces can they let you use a debit card (not to withdraw cash, but at merchants)if they have no cash? Aren't there laws on the books that say a bank has to have so much cash on hand. Once again I am so confused, please help me to understand this. This happened at City National Bank in Point Pleasant, WV 25550

If this is temporary, how common is it I've never seen anything like it?Who can I contact and how long will it take me to get my money if this isn't fixed tomorrow?