The bank has decided to close my account because of check kiting. I was not aware it was illegal. The money in the account is mine and needs to go somewhere else: bills medicine and such. How long can they hold the money before releasing it? It has already been ten days.
Please understand that whether you were trying to cover checks on one account with checks from the other, and vice versa (a rough description of an intentional kite), or just made frequent check transfers back and forth, your bank caught what it thought was a problem. The bank's intention at this point is to make sure that there aren't any checks you've deposited to your account with them that remain unpaid, and that any checks you've written on its account have been paid. It's not unusual in such cases for a couple of weeks to pass before the bank feels secure enough to release the balance remaining in the account.
However, don't assume that the bank is still holding things up. They may assume that you'll contact them, so do so. This is a real case when it won't hurt to ask!
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Please understand that whether you were trying to cover checks on one account with 