When checks began bouncing at Holy Name Monastery of the Benedictine Sisters last year, Sister Jean Abbott knew something was fishy. Her calls to the bank revealed that the St. Leo, Fla., account was frozen for five days because one of the account's signatories -- an 80-year-old nun -- didn't have an identification card on file. The bank blamed the USA Patriot Act for the account freeze. "The local bank said it was the Patriot Act," said Sister Abbott, who declined to identify the bank. "Someone at the main office of the bank had done, according to the local bank,...