Customers of Apple's new savings service, launched in partnership with Goldman Sachs, are experiencing significant delays in withdrawing or moving their deposits. The funds are being held under "security review" to ensure depositors are not involved in criminal money laundering. This delay is particularly frustrating for customers who deposited large amounts, as Apple has been heavily marketing the above-average interest rate on its savings service. The incident highlights a larger shift in traditional banking towards an increasingly automated and disinterested approach to retail depositors. This, combined with an opaque anti-money laundering regime, raises questions about whether bank deposits truly belong to the customer.