Q: When dealing with a bank withholding your funds or locking your account what can be done?

A: I'm sorry to hear you're dealing with this stressful situation with your bank account being locked. Here are some steps you can take:

1. Contact go2bank customer service directly to inquire about why your account was locked and what specific activity they deemed suspicious. Ask what information or documentation they need from you to verify the legitimacy of the transactions and unlock your account. Be prepared to verify your identity.

2. If you believe the account was locked in error, calmly explain the situation and provide evidence of the legitimate transactions, such as receipts or invoices. For the tax refund deposit, an IRS transcript or copy of your tax return may help validate it.

3. If the customer service representative is not helpful, ask to speak with a supervisor or manager with more authority to review and resolve your case.

4. Should the bank continue to give you trouble, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB), which regulates banks. You can submit a complaint online through their website.

5. If a substantial amount of money is being withheld and the bank is not responsive, consulting with an attorney specializing in banking or consumer protection law is an option to understand your rights and potentially take legal action.

6. In the meantime, open an account at a different bank or credit union so you can access needed funds while resolving the issue with go2bank.

I know dealing with a frozen account is incredibly frustrating, especially when you need access to your money. Stay persistent in contacting the bank, document all communications in writing when possible, and don't hesitate to escalate the issue if you're getting stonewalled. I hope you're able to get this resolved quickly.