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BoA Closed my Accounts and Froze my Funds. How can I get money back besides cashier's check?
I'd suggest you contact the Office of the Controller of Currency, who regulates BOA and file a complaint. This whole deal seems shady.  According to the OCC FAQ, the fact that they closed the account is in their prerogative. However, I would think they are obligated to quickly return your funds, but can't find anything specific to that. The banks are very sensitive to having complaints filed against them, so if nothing else this may encourage them to be more helpful, even if your complaint isn't actionable. OCC Complaint Process. This topic on how long a bank can hold a large deposit before making funds available may also be helpful.