Ahhh! That would be really annoying. As far as I know that was the first time we have done it. It was beyond frustrating as we were at home for 5 minutes to swap out our bags from our wedding, and grabbing our bags for our 2.5 week honeymoon so we didn't have any extra time to go to a branch on the way to out international flight. Luckily there is a branch at JFK so I jumped out of the car did the transfer and we made our flight. Might need to open another account and keep half and half so that we can always access our money.