My husband and I are desparately trying to get out of debt, but every time we deposit a paycheck at our bank, they put a hold on it. As a result, when bills come in, we are charged overdraft fees by the bank (even though the funds are obviously there) as well as late fees by our creditors. Is it legal for the bank to do this? They say it is their ''policy'' when customers have had overdrafts. But my husbands paychecks are from the State of Georgia. His paychecks have never bounced.