The account was frozen in mid December of last year because i was talking to a banker and told her there was a small charge that i was unsure where it come from and she then told the Fraud department and they shut down all 6 of my accounts with WF .

Nolo.com states the following should be included in a holding deposit agreement: the amount of the holding deposityour name and that of the applicantthe address of the rental propertythe dates you will hold the rental property vacantthe term of the rental agreement or leaseconditions for renting the applicant the available unit—for example, satisfactory references and credit history and full payment of first month’s rent and security depositwhat happens to the holding deposit if the applicant signs the rental agreement or lease—usually, it will be applied to the first month’s rent, andamount of the holding deposit you will keep if the applicant doesn’t sign a rental agreement or lease—for example, an amount equal to the prorated daily rent for each day the rental unit was off the market plus a small charge to cover your inconvenience.Regarding your $200 cancellation fee, I am not certain it would be considered "reasonable" because my understanding is the fee should be actual losses (loss of potential rent, additional marketing costs, etc.).

And no charge to the property owner, unless they want the payment faster, and then there is a small charge. 

How do you then adjust the security to reflect even a small charge?

It's a small charge that gets passed on with any company you go with, whether they tell you about it or not.

Just ask if your lender can order a rush closing that's what we do and it's just a small charge of a couple hundred.

If you don't have a particular buyer's agent many agents will run comps for you for a small charge (that's assuming you don't plan on using them for your purchase). 

The escrow will request reimbursement of any out of pocket expenses and may have a small charge for their services, if you cancel.3.

Another thing you can do is get a debit secure credit card and make small charges and pay them off monthly to establish credit.

It’s a small charge of $250 but if this is the deciding factor for her to find a new place, is it really worth it when it costs a thousand / a couple thousand to turnover?