Cannot Add Bank Account in Merchant Center

Three months with $65,000 held is long enough to stop relying on phone calls: put it in writing, with every case number, the date of each call and the amount held in one message, and ask for a single case owner on the Merchant Services team rather than a new ticket each time. Since they say it's waiting on engineering, ask for the engineering ticket number and an expected date, and have a bank letter or voided check ready that shows the business's exact legal name and EIN, because bank-account changes often stall on verification. Meanwhile, putting your new account's ACH details on open invoices means new customer payments land in your bank directly instead of adding to the held balance. Is your old bank account already closed, or is it still open?