Can someone tell me what the user is trying to say? I have not heard of the hypothesis of holding money in the bank for 21 days.
Doubt it, OP dropped a question with no details and he's gone, logged out after the post time!
The maximum period in which the bank can seize your money here is 3 working days.
If there is a financial problem, the time extends to a week or two as a maximum, unless there is a court ruling or a decision from the police or the financial department.
It's not even that long in some cases, they aren't supposed to freeze funds even for a second if those are transfers initiated from clients of the same bank or for personal accounts that have a net positive balance, so no payment refund in the last 90 days could trigger a negative balance.
But I really don't know what's OP problem is. My bet would be on a transfer he has made from maybe some exchange to his bank account and the transfer has not cleared yet if he has waited for 21 days already and hasn't contacted his bank already....why wouldn't he do so?
Anyhow, in case OP ever reads this, contact your financial Ombusdan, that's first, the easiest method to clear things up, they will have to contact both your bank and your sender on this and are required by law to give you an answer. That's it! If your account is frozen because of an active investigation then things really get complicated and it depends a lot on where you're situated, ranging from nothing to do to an application in court against the account freezing order issued on your ban account.