FTP Check on hold by Chase - a couple of questions

[Knighthawk]

I would do nothing and answer nothing. Unfortunately, you aren't in a lot of position to demand. You can threaten them to close your account, and go elsewhere, but if you're well established at this bank, it won't be any better (and will be worse) at a brand new bank until they get to know you. In a week it'll clear. If you need the money by then, there are bigger issues than a routine hold by a bank.

If you do need the funds sooner, I would ask for the check back, and see if a check-cashing place will do it for a fee.

You should be able to go to a Wells-Fargo bank as well (although you said there isn't one locally), they may or may not charge a fee.