Tangerine, 5 day hold randomly applied after year of no hold on deposits | Tangerine Bank | Discussion forum

My husband and I have been using ING/Tangerine products for the past 12+ years; mortgage, line of credit etc.and in the past year we have been taking advantage of the joint chequing/ savings accounts. Yesterday we were unable to access his pay cheque which had been deposited the night before. From the beginning we have both had access to $2000.00 immediately with the remaining balance of the deposit being available in five business days. An inconvenience from the onset as our previous bank gave us access to the entire amount immediately, but we were willing to concede this point to take advantage of the no fee banking being offered at Tangerine. Yesterday we contacted tangerine to find out why a hold had been put on our account. After 1+ hours of sitting on the phone and re-explaining that my husband had access to 2000.00 immediately and asking for answers the operator and his manager finally came to the conclusion that every 90 days a credit check is done and accounts are adjusted accordingly to those results, and that in the future my husband's funds would be held for five days. Where in the policy and papers that we signed when we opened accounts is it stated that they will treat long time clients who have never defaulted on a mortgage payment or line of credit and have always maintained good standing in all of their accounts will have the screws put to them because of a credit rating that might have dropped one point on the credit scale? If we had not of noticed the hold immediately all of our payments would have gone into default including our mortgage , further marking the credit scores.The operator informed us that the best way to work around this policy would be for me to deposit my husbands cheque from my card/phone app into the joint account. Really??? We are not a family that has thousands of dollars just sitting in an account, we need our funds available to live, we have pre-authorized payments coming out, we work three cities from each other and we are under the time restraint of the 6:00 deadline to have the cheque deposited to be counted in that days transactions. So our conclusion to this dilemma would be to add my client card to his phone app giving him access to my client card information so that he can deposit his cheque on time, a suggestion I might add that is in direct violation of tangerines own policy. Absolutely ridiculous. There is no way that we can stay with a banking institution that chooses to treat its clients this way, up until this point we have raved about the company's ease of access etc .But a practice of randomly holding a consistently deposited pay cheque is unacceptable, further more the unpredictability of this practice without any type of notification is poor business practice. Our emails are on file we receive notifications all the time about our accounts yet the company sees no need to notify its clients about impending changes to their fund access. Their operator stated there is definitely an "inconvenience to this situation". My husband and I agree and will be moving all of our accounts to a bank that offers the exact services promised but with a stability and predictability in accessing our hard earned income.Furthermore we will be discouraging friends and family from using their products as well. Unfortunately they have not only lost two clients but all future business from numerous people in our circle over this disreputable practice that is applied to low risk clientele. The real sticking point for us is that we spent a lot of hours on the phone with them working out the details of a plan that would work for us. At no time was this random demotion ever mentioned.