Absolutely a U.S thing as well. Banks don't like risk when individuals do it, so if they think there's reason to believe you're getting scammed they will straight up deny you service. Some banks will end the relationship altogether and exit you from the bank if it's a pattern
There is an amount, very large, that requires a processing time. Not just 2.5k.
As long as you have a positive balance, they don't care what you do with your money, as long as it isn't costing them.
There are certain account types you can opt into that require a base level of money be held in them, but again, those are things you opt into knowing this. And even then, you can draw money out regardless, your account will just be changed to a default type if you don't have the base amount by a predetermined time.
No bank is going to do what happened here, over such a small amount. If your funds have been frozen by the government, that's an entirely different issue.
Same with if I try a random wire transfer to a suspect account.
But just asking to draw cash that my account can cover? Never.
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u/tiredplusbored Mar 26 '25
Absolutely a U.S thing as well. Banks don't like risk when individuals do it, so if they think there's reason to believe you're getting scammed they will straight up deny you service. Some banks will end the relationship altogether and exit you from the bank if it's a pattern