Turn over the money? You must not have been pay attention for the last 10-15 years banks are no long held to the letter of the law, They are too big to be bothered with such trivialities as the rule of law.
For them, bad publicity trumps the law.
Bad publicity is a VERRRRRRY bad thing for banks.
And thus I haven’t had a bank account in 10 years. Do taxes through HR Block so they give me a debit/credit card that I can have direct deposit go through and pay all my bills.
I won’t be a party to people throwing up obstacles to me accessing my money. Big banks are big business and spy on people for the government to boot.