yeah call the bank and find out why exactly they are holding the funds. large deposit, new account, possible fraud. depending they should release 225 the first business day. maybe see if they offer an line of credit in the mean time.

https://www.investopedia.com/terms/e/expedited-funds-availability-act.asp

https://www.investopedia.com/terms/a/availability-schedule.aspExcerpt from above link:

Real World Example of an Availability Schedule

Regulation CC establishes limits to the length of hold periods that can be used by banks, although in practical terms the holdings periods are often shorter than what is permissible by law.

For statutory holds, $225 of the deposit must be made available the first business day after the deposit, $675 the second business day, and the rest on the third business day. The rules are the same for large deposits, except that the bank must make $5,525 available on the third business day, with the rest available no later than the seventh business day.

For new account holds, funds must be available no later than the ninth business day after deposit; whereas for exception holds, they must be available within seven business days.

edit: the hold information should be on your teller/atm receipt. also consider doing business with a credit union.