The problem I have with them making money on funds held is that THEY are the ones deciding that they can hold your funds, and for how long, so in effect they are holding your money for ransom, and the ransom is the interest that they are getting paid. Think of it this way, if they released your funds to you then you would be the one making the interest on those funds, so in essence by their deciding that they will hold your money until they get the interest out of it, they are stealing that amount from the person that it rightly belongs to. Now if they were paying the person that actually owns the funds the going interest rate and taking the premium for their having LARGE deposits then I wouldn't have quite such a problem with it.