I had my funds frozen once about 10 years ago. Moved 30,000 from Schwab into Bank of America to buy a truck and before I did it I asked the Bank if I would be able to access it right away. They said yes and when I went in to get the cash they told me my account was frozen. Exactly what I tried to keep from happening. Luckily the bank Manager was able to unfreeze my account. But now I have heard they have that all fixed. But who knows until you try again.
Andy