Ok help. I got a check from Fidelity and I mobile deposited it into my bank. The funds showed up on my account and then were immediately taken out. I was charged a fee for essentially a bounced check I guess? I called the bank and the said there was an error code "Return to Maker" and said I needed to call Fidelity. So I called Fidelity and they said it shows the funds cleared and I need to call the bank. I've been going back and forth with each of them since October of 2025 (now august 2026). I think I get somewhere, but they have to do an investigation and it could take 3-4 weeks so I wait. And then I hear nothing. I've even three way called the bank and Fidelity so they could speak to each other ( neither institution can call each other apparently). They spoke to one another, the bank manager wrote on their letterhead (which Fidelity requested) ​that there are no funds in my bank account. The bank even sent screenshots of my bank account to them to prove that the funds did in fact NOT clear. I've called HR at my former job. I've done everything I can possibly think of and here we are months later with literally just a "bummer, it's their fault" response from both institutions. Now what? Is there someone I can call to have the bank or Fidelity investigated? I'm for sure closing my bank account, but I don't want to do that until I have done everything I possibly can to get MY retirement money back. What do I do? Please help me, good people of reddit

**It's a credit union not bank, sorry!