re: Is this banking behavior normal? Re: Holding check

I feel like banks are just holding money for no reason just bc they can. They know if the funds are good by the next day. We have a commercial account with chase and capital one with large amounts in them. Any check we deposit gets a 48 hour "float" put on them. Most checks we deposit are cashiers checks also. They say it's not a hold but it's the same thing bc we can't use the funds for 48 hours.