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Getting locked out of my money because automated algorithms miscategorized some activity by my account on some completely unrelated Google product as 'spam'?

Thanks but no thanks.

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Banks (in the US) are a lot more regulated than random companies. They can’t close your account willy nilly without giving you your money back.

"Chase closed my accounts and banned me and I don’t know why" https://www.bogleheads.org/forum/viewtopic.php?t=324148

"How to survive a Chase Shutdown" https://milestomemories.com/survive-a-chase-shutdown/

Credit is different as it’s a loan, not money that is rightfully yours. Due to that, a bank can close those accounts at any point (and still require you pay them down), but checking and savings are regulated in ways that prevent them from holding your money hostage unless a court orders them to. I can’t remember the citation, but these regulations came about over time since the Great Depression.

Oh I see you were never a WellsFargo account holder?

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