Product: Checking or savings account

hello my name is XXXX XXXX XXXX. I opened up a US bank account early in XXXX of this year in XXXX. I opened it due to the fact that I was surrendering my XXXX XXXX XXXX XXXX policy which was from my deceased husband XXXX XXXX. He payed the policy in full and never missed a payment. I had made a couple withdrawls and so at the time of being surrendered the total was a little over {$54000.00}. I was not planning on cashing it in so I asked for {$9900.00}, which was my first deposit into my US bank account. I believe that the remainder was deposited the very same day if not the next. The day after the first {$9900.00} withdrawl from XXXX XXXX, I really got peeved with them and I kindly asked them to allow me to surrender my account in full and close it up. So they did, and then my total was the full {$54000.00} into my US bank Safe Debit Account, which I was not made fully aware that this was actually a savings account not a checking account. So, I asked my niece to help me make a real checking account in which she did. I surrendered the account in its entirety not only because National Life upset me but because I needed money for a multitude of medical bills I was accuring at that moment. 
My niece was with me and we ended up making the alternate actual checking account and we proceeded to transfer {$5000.00} into it to open it up. The transfer was successfull and I was still awaiting a debit card, which at the time was taking rather long for the first one to arrive. I needed MY MONEY, MY MONEY WHICH WAS PUT INTO THE XXXX XXXX ACCOUNT FOR ME BY MY DECEASED HUSBAND. 
My niece informed me we could do a XXXX transfer, and appafrently as soon as she attempted this the account got locked. 
I immediately called the bank and they were rude, had little to no explanation as to what was going on, and I was fit to be tied. I demanded the account to be closed immediately and for them to send me my money because I no longer wanted to do business with them any more. They replied that that was fine so there would be a check in the mail in the entire amount for both accounts which at this point was {$49000.00} and {$5000.00}. 
I believe it was the following day or the day after that that I was havimng a XXXX XXXX at the XXXX I am XXXX XXXX XXXX, I need assistance in almost everything I do. I currently XXXX XXXX XXXX had it XXXX and XXXX XXXX XXXX. I have only been to the XXXX  in a XXXX if I have left this house at all with the exception of attending a notary signing and moving. These instances drained me to no avail. 
So, then US bank informede me that I would need to physically go into the bank in which it just wasnt going to be able to happen. I am at my wits end with this bank, and they have held my money for almost a year. I had my niece go into US Bank with a notarized PoA in which i feel like they see it as something taken lightly. She is my chosen Fiduciary. She takes it very seriously as do I. So, atempting to collect MY MONEY YET AGAIN SINCE I WAS IN A BED RIDDEN STATE DUE TO MY HIP WHICH I HAVE MEDICAL DOCUMENTATION FOR, PLEASE SEE ATTACHED. Please I am not going to be on this earth this much longer I just want to fullfill my financial obligations with what is mine. I can not physically make it to the bank thats why there is my PoA is enacted and she needs to be treated as though she has full access to my account and made able to retrieve all funds. 
I feel like my rights are being violated and i have read the ADA act, I have asked many questions and I feel as a aging consumer with not alot of time left in this world that this bank would be as kind as taking all these factors into consideration and just giving me whats mine hopefully before XXXX. 
Help me