It's my old credit union they have the lowest wire transfer fees but i don't have any branches near me any more. Yeah i can understand them making you jump through the loops to create account (if you don't want to don't do it), but it's another thing when they took my money hostage interest free and now telling me that i have to do stuff before they are willing to release it! And i didn't see anywhere on their site where it says that after i get verified they will take my money and hold it interest free until i can satisfy all of their requests whatever they decide to ask for