Try getting the money out of your TDA trading account back into primary checking LoL! They use every legal dodge in the book to hold the funds as long as they can to squeeze what ever pittance of interest they can get out of it.
When I bitched, the poor young man began to explain to me about how it was the law and all that crap ... so I gave him a free education on who wrote the GD law in the first place LoL!