[astura]

I mean... banks are the worst in this case.

Banks are known to irreversibly close accounts if they think you triggered some random algorithm, you have the same name as a terrorist, you have the wrong job, they don't like how you're using your account, or any other completely random reason. The decision is final they'll usually even refuse to tell you why they closed your accounts.

I had a bank (BMO Harris) close an account because the only transactions I had for about a year or so was "received directly deposited paycheck -> transfer entire amount to other bank account." At least they actually told me the reason.

[withinboredom]

Banks have to report accounts with low balances after a certain number of days (45 IIRC). That reporting costs them money unless they’ve gotten it 100% automated.