David,
I am not trying to make his point for him. I just haven't been able to get past this with him. My next step was to write a letter to the bank making known my demand.
I like the idea of publishing my demand and serving it on the bank. I haven't found much of that on the Forum on how to do that. Is there a template or instruction set for constructing a proper notice and demand? Where does it get published? I assume it is also sent to the bank? I apologize for all the questions... still getting my bearings.

I deposit checks into an account as well as receive electronic payments via credit card merchants.

Thanks again.