TD bank commerce bank becomes TD bank now lost my cheque and give attitude bad customer service delran, New Jersey

The only "RipOff" seems to be your lack of knowlege of the english language after being in the country for at least 7 years.

First of all Weekends and holidays are NOT business days.  So if you deposited the check(in the US it is not cheque) on 4/8(Friday), 3 business days would either be Wed or Thursday.  That would depend on if you deposited it before or after the "Cut-Off" on Friday.  If you deposited after the "Cut-Off" on Friday it would be treated like it was deposited on Monday(4/11), and that is when the 3 days would start, thus it wouldn't be available until Thursday.

You went on 4/10(Sunday) and it would be totally normal for the check to be "missing", especially if it was after the "cut-off" time where it may not even be deposited and showing up in their system yet. 

If this was the case it is confusing as to why they would give you a credit(even temporary), because your deposit slip should show the time deposited.  Also, if this is the case the Teller and Supervisor did make a mistake, and probably did cause you more grief and problems than needed.  Now, if they did in fact "loose" the check, giving you a credit(even temporarily) seems like a fair response.  For one you didn't even have to wait the 3 business days that was originally stated.

Now you didn't mention the source of the check, and I hope you know the person that gave it to you.  I say this because $3,500 is in the range a lot of scams deal in.  This is where someone you don't know sends you a check, ask you to cash it and send them back money by Western Union.  They will usually give you some reason such as you won a prize and this is taxes or a promise of some sort of job.  However, a few days later the check comes back as bad and you are now stuck for the money.