I once took out $25,000 from my WF account and asked for it in a cashiers check. I paid the $5 fee for the check (even though they had stated that it would be free) - then I took my money....

I came back ~1month later to re-deposit the check into SAME WF acct.

They stated that they had to put a hold on the check for 14 days until they could verify the funds. For a WF issued cashiers check. From the SAME act the funds came out of.

I changed banks that day.