I don't believe this is a legitimate trademark under US trademark law. A simple description of a process is not protectable, as I understand it (this from being in a dispute and consequently reading a bunch of examiner filings.)
Money that is unencumbered is "safe to spend" and thus this is a phrase that describes a common industry state.
What a bullshit C&D. The mark is for "SAFE-TO-SPEND", including the hyphens. The bank is using safe to spend without the hyphens. The version without the hyphens is descriptive and almost certainly not actually trademarkable.
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[ 2.6 ms ] story [ 21.4 ms ] threadMoney that is unencumbered is "safe to spend" and thus this is a phrase that describes a common industry state.
I should spend more time trademarking generic sentences. Seems lucrative.
It's a scare tactic, that's all.