...I understand that there is also an automated bank security system that stops some payments (and I noted this right away, this is their control over my money)...
It's not your money if it's in a bank. It's the banks money until they pay you back.
Our money is in our savings and the money in the bank means it's their money (bank).
Your answer is very correct. lol
It seems you are missing something from your answer. They (bank) will not pay the money back without an order to return.
Isn't it like that?