Avoid Fidelity if you want to see your $$ again

Not there fault, read pdf file below. If they don't follow manual they are out of business. We've had no problem with fidelity. Pull out the parts that apply to you and talk with somebody that knows something. And those people are not usually not in local office.

https://www.ffiec.gov/bsa_aml_infobase/documents/BSA_AML_Man_2014_v2.pdf