I recall you asking me about a term deposit, I got 3%, you actually checked it. You’re wrong about waiting a week for your money from a term deposit, it’s always been in my account the day after maturity.
You must have been really kicked in the guts by banks! I feel sorry for you.....
I’ve never had an issue withdrawing large amounts of cash. The bank obviously has you on some sort of restriction, I’d talk to them about that.