Best credit union in Hudson, Wisconsin (WI) 2024

I've been with RCU for years. And overall they have been good. Unfortunately this incident has me a little confused and basically ready to close my accounts. I cash my payroll check as I do every Thursday, nothing was Said to me at the drive thru and I went about my day. That night I looked at my account online, and find out they put a 2 day hold on the check. I called rcu and the lady explained mobile deposits and personal checks can be held for 2 days. I fell under neither of those categories. Frustrated I called back, the lady this time tried to verify funds through my companies bank, and that didn't work. So she explained to me that they felt if the check were to bounce and I spend that money I then need to repay that money, and they don't feel I would be able to accomplish that. They have no idea of my money situation other then this bank account I have. They don't know about my cds my stocks my personal money in my safe. They assumed I wouldn't be able to pay back this amount so they chose to hold my paycheck from me Friday all the way till Monday. Now they did release 20% of it and how kind that was. When I explained I can cover it and got a little upset the lady pressed a button and released my funds. Now I don't remember reading any fine print stating they can use at there discretion there choice to not give someone there money. maybe I'm wrong maybe this is a common accurance and if it is then more reason to close my account. ~Andy