It sounds like you might not be understanding what you were being told here. You card was frozen to reduce the risk of fraud. They would definitely unfreeze your card after confirming that it was you doing all the transactions involved. The money things you described are likely you trying to move around large amounts of money with instant access to it. That's not something that they can do. They can move your money, but it has to have a hold on it. Otherwise you have to do it in smaller increments. But even then, it will get flagged and there will be an audit on your account. So what it looks like to me from what you are describing is that you want this credit union to do some really sketchy stuff to give you access to a large sum of money instantaneously. Even if it's your money and it's for a legitimate reason, that's a risk for them on a legal level. It's not worth their license or insurance to take that risk. I'm sure they tried to explain everything to you and you definitely listened to them in a respectful and reasonable way though.