Are you saying this money was not supposed to be deposited into your account?
If so, then contact the bank immediately and let them know of the error. Do NOT attempt to spend the money because it is not yours and the bank will make you pay it back.
If this was supposed to be depostited into your account, then yes, this it is very normal for a bank to hold funds of a check, especially in a new account. This ensures that the check is a valid check and gives it time for the funds to clear before you can spend the money. Expect this to happy on larger checks for the first 30 days or so, at least.
That is not a normal transaction. In order to deposit or withdraw funds from your account a person would need your bankcard or at least your account and routing numbers. Contact the bank and ask them to find out what is going on. It sounds like a banking error and the money doesn't belong to you.
you need to speak with BoA.. making the original $200 available is normal.. It sounds like someone has your account info and just scammed your account for the $200..that BoA made available... and you might end up getting stuck for the $200 (meaning you will have to pay that back).. when the full $950 bounces
Of course it's not normal, go talk to the bank, IMMEDIATELY
