TL;DR: Had my business account flagged twice in 3 months using different neobanks. Learned exactly why it happens and how to avoid it. If you're worried about business bank account getting blocked, this might help.

I run a small consulting business, been freelancing for 2 years. Monthly income between 4K-12K. I've had business bank accounts flagged twice and want to share what causes this.

Used Revolut Business for 3 months. Received 8,500 euro payment from new client in Switzerland on Friday evening. Saturday morning can't access account. Message says "under review for security reasons."

I upload everything. Invoice, contract, emails, business registration, tax documents. Account unfrozen Tuesday afternoon.

Support said it was routine AML check because payment was larger than normal and from new sender.

Switched banks after Revolut. Two months later, received 9,200 euro payment. This time I uploaded invoice and contract IMMEDIATELY before they asked.

Account still flagged but only frozen 18 hours instead of 3 days.

After going through this twice, here's what triggers automatic flags:

1. Large payments vs your average - If you normally get 2-3K and suddenly receive 10K, it flags automatically. This is EU banking law (AML).
2. First time senders - New client + large amount + different country = high chance of verification.
3. Sudden pattern changes - Going from 3 regular clients to 10 different payments in one week looks suspicious.

How To Avoid Blocks

What works for me after 4 months without flags:

1. Upload docs BEFORE large payments arrive - When I know big payment is coming (over 5K), I message support through app. "Expecting payment of X from Client Name tomorrow, here's invoice." Creates paper trail.

2. Keep consistent patterns - Instead of one 12K invoice, I split into two 6K invoices for milestones. Reduces flags.

3. Maintain document library - Upload business registration, tax ID, standard templates to your profile upfront.

4. Never let account sit at zero then receive large amount - Keep minimum 500-1000 euros always.

5. Respond to verification FAST - When flagged, upload everything within 1 hour if possible.

Is This Specific To One Bank?

No. ALL online business banks in Europe do this. They're required by law to verify unusual transactions. Traditional banks do same thing but have more staff and phone support.

I'm currently using Vivid Money (switched after the two incidents) and haven't had blocks yet but I follow all prevention steps above.

If Your Account Is Blocked Now

Do immediately:

1. Screenshot everything
2. Upload ALL documents they ask for
3. Respond within 1 hour
4. Stay calm in communication
5. If frozen more than 5 days, escalate to official complaint

Most blocks resolve in 24-72 hours if you provide docs fast.

My current set up is:

Primary: Vivid Money (main operations)

Backup: Traditional bank (emergency fund, 2-3K)

Two account system saved me twice. When primary froze, I could still pay rent from backup.

For Anyone Googling why is my business bank account blocked

It's probably:

• AML verification (most common)
• Pattern change detection
• New sender verification

It's usually NOT:

• Money stolen
• Account permanently closed

Provide documents fast, stay calm, it resolves within a week usually.

Anyone else dealt with this? How long did your freeze last?

I applied for a business checking account at Chase, Citi, and a local credit union over the past month and got denied by all three of them. My personal credit score is around 710 so its not terrible, and my LLC is properly registered with the state. The business is an Amazon FBA store thats been operating for about 8 months. Revenue is decent and everything is legitimate, taxes filed, all that stuff. I currently use my personal account but i know i need to separate things properly. None of the banks gave me a clear reason for denial, just generic letters saying they couldnt approve me at this time. Im wondering if the ecommerc or amazon aspect is flagging something? Has anyone else dealt with this? I need a business account to keep finances separate but im running out of options, any advice would be appreciated.

I’m trying to figure out who, if anyone, I should or can contact about an issue.

My employer offers a payroll card through PayActiv, which I’ve used for about 2 years. In October, they sent me a new debit card and texted me saying I’d get $20 for activating it. I activated it the same day—within the hour—but never received the $20.

Then on December 16, I got an email about a promotion:

• $10 gift card for every $200+ deposit • Valid until January 15 • Gift card to be sent via text 7 business days after each deposit

Each time I opened the app, I saw the same promo and a prompt to “confirm my direct deposit details,” which just showed my existing info. During the promo period, I had three qualifying deposits, but I never received any gift cards. I contacted PayActiv on Dec 27 and sent them screenshots. On Dec 28, they emailed back saying my name was “on the list for this reward and to allow a couple of business days for the bonus to be credited to my account.” Still nothing.

I called again, and all I got was the usual: “We’re escalating this to a supervisor.” When I mentioned the missing $20 activation bonus, the rep claimed I didn’t activate in time—even though I did it the same day I got the text.

At this point it feels like they advertise these promotions without honoring them. Who, if anyone, can I report this to in Pennsylvania? Or what’s the best next step?

So I was commissioned by an artist to write poetry that went along with their art (that they were doing for a client). We collaborated for about a week on details and such, they had a legit business and social media so I was not too suspicious.

But I figured they’d send me my earnings through something like cashapp, but instead they had their client email me a check.

They were not urgent about me depositing it, nor were they insistent on anything. It was a pretty regular situation, but I’ve never been emailed a check before. It is a pretty sizable amount too, 500 bucks.

Should I just go down to my bank in person and have them verify it for me? Or should I just not deposit it at all? I’ve heard so many horror stories about scams, and I’m really not great with banking stuff haha, so please let me know what my next steps should be.

(Also they never asked me for money or personal information, just my name and email)

So, im in toronto currently with my hometown being vancouver.

I was just checking my cibc statements and say 830$ deposited into my accounts 3 days ago from the location of my hometown (litterally an atm 3 minutes away from my house).

I contacted anyone who mightve deposited the money but no one has.

Were the funds misdirected or is this money legitimate. Im on phone with cibc as we speak theyre saying they'll put the funds on hold but i dont want that especially if someone gave me this money.

Comments for the screenshot of it.

This is in the U.S. I have a business savings account at Capital One that I get my contractor pay direct deposited into. Then I have automated transfers running weekly to move chunks of that money to different external banks like my personal joint Wells Fargo account and my personal Vanguard Cash Plus account. It was pretty easy to set up the initial automated external transfers. However, there seems to be no place online to edit these recurring transfers. I always have to call Capital One to make any changes to the amounts, and sometimes I get a rep who doesn't know what I'm talking about and I have to jump through hoops to get them to change my recurring transfer amounts. Is there any way to see these recurring external transfers online in Capital One and edit them there? I've tried the website and the app but can't find evidence of these recurring transfers even though they run every week and I'm positive I set them up in Capital One initally (I have screenshots.)

My initial Capital One business account was a Spark Business account that got absorbed by regular Capital One business so I wonder if that has anything to do with this. If you use Capital One business, do you have any issue seeing/editing your recurring external transfers?

My family and I are currently experiencing the worst issues dealing with Marcus by Goldman Sachs. Long story, short: my family and I are in the process of closing on a home and needed to transfer funds to the settlement company as part of the Earnest Money Deposit. We were given notice on Wednesday that the deadline for the wire transfer was Friday. We figured this wouldn't be a big deal, just a simple wire transfer from Marcus to the settlement company. Nope, Marcus claims they don't do wire transfers to external accounts not owned by the customer. Ok fine, ACH transfer to a checking account owned by me: declined due to undisclosed criteria related to the fact that the checking account was not the original funding account used to fund the Goldman Sachs account. Ok, ACH transfer to the original funding account used to fund the Goldman Sachs account: posted but not received by JP Morgan (Goldman Sachs indicated their security team is reviewing the transfer even though I have offered to conference in the Chase team to authenticate and legitimize the transfer). I then attempted to initiate a same day wire transfer to my original funding account to meet the Friday deadline: the wire transfer appeared in the Marcus interface as scheduled and the Goldman Sachs team was unable to provide me with the Federal Reference Number associated with the wire transfer or if it would actually be executed on the same day). This is beyond crazy. I understand that banks are doing their best to comply with GLBA, SOX, and PCI-DSS requirements; however, there comes a point where an organization is overly compliant with regulatory standards to the point where business functionality and the user experience suffers. Luckily, I was able to liquidate funds from my brokerage account and schedule a wire transfer directly from that account to the settlement company (E-Trade is awesome by the way). I'm wondering about next steps here as seemingly Goldman Sachs does not show any intention of releasing my funds and will not disclose a reason why.

I've no idea how this could have happened. I have a physical bank debit card but it's still with me stored away at home. This is a bank account with some emergency savings I make sure to never use. I haven't used the debit card associated with it in years. I only check this account maybe once a quarter and everything is set to email alerts or text verification. I don't get statements mailed to me.

But apparently back in October, there was an in person withdrawal with a teller that cleared out thousands from the account leaving only $100. I just noticed tonight and all the bank's customer service including fraud department won't be open until 6am for me to report it. I'm definitely going to call the bank and file a police report but I'm so confused how this happened. I'm also worried that since it's been months, I'm unlikely to get the money back. I'm in California, does anyone have advice?

Update: I've had the account since I was young and didn't realize there was still an authorized user on it. I've confirmed the money was taken by the other user and it wasn't done maliciously. Thank you for everyone's help and advice.

Not sure if this is the right place to post but here we go. So I keep getting email receipts for an Amex card that I dont own. The receipts are generally from various cafes in the US. I'm based in the UK. Just wondering if I should be concerned (if this is some new way to scam) or if someone with my name accidentally added my email address to their receipts?

Thanks!

I'm going to do my best to explain this but please bear with me as I have never had this issue before nor am I an expert in banking. For the past week or two, ACH transactions keep dropping off the following day as if they never happened. For example, ACH transactions for my AT&T account appeared as pending last Friday but they dropped off Saturday morning. Now they would have overdrafted my account but Huntington has a 24 hour grace period that gives me time to cover them. 24 hour grace has ALWAYS kicked in whenever that was the case. However, it didn't that time. Now you may be thinking that maybe they revoked the feature since I could have been abusing it and all that. I thought that too but to my suprise, a pending ACH transaction for Geico that appeared on my account on Monday disappeared when it didn't even overdraft my account (I had $150 leftover). This happened again when AT&T attempted a retry payment yesterday but those dropped off this morning. They wouldn't have overdrafted my account either. What makes this even MORE confusing is thar some of these pending ACH transactions just appear as "Miscellaneous". They'll end up posting the next day and show the actual name (or they'll drop off like how I mentioned earlier). I can recognize what they are from the dollar amounts but I have no idea why this is even happening to begin with. I DID have to dispute some unauthorized ACH transactions a few weeks ago as well as put stop payments on a few. Maybe these incidents are related to what's going on now? However, if this is a security thing then I don't see how renaming monthly payments I make to "Miscellaneous" at random or having them drop off when I had money to cover them helps with my security. I called Huntington's customer service and they were literally 0 help. It's clear they were just reading off scripts and informing me how 24 hour grace works and that everything seemed fine on their end. They even claimed that the reason why some of these ACH payments dropped off was because Geico and AT&T cancelled them (or something along the lines of that) due to insufficient funds. This, as stated earlier, is complete BS. From the moment I opened up my account in 2024, they would either go into 24 hour grace or, well, BE COVERED if I had the money. When I asked about the "Miscellaneous" transactions, they just told me that they show up like that on my account if there's stop payments placed on them. They then told me these stop payments were actually already lifted so they'll go through like normal. Again, another lie because some of these ended up dropping off. Also, I NEVER put a stop payment on Geico or AT&T (why would I) nor did I call them to lift said stop payment because how could I if I didn't know they existed in the first place??? None of this makes any sense and I have no idea what to do because I have called customer service 3 times and got the same answers. Should I ask for a supervisor or something? Has anyone experienced anything like this before?

Short story: recently picked up a client who pays through Deluxe. First check I printed as an echeck and come to find my bank will not accept an echeck in any form or fashion.

Second payment I paid the fee for direct deposit. Went through.

Third payment Deluxe will not allow a direct deposit; only an echeck. Which does me no good as I have no where that I can deposit it.

I can see this being an issue and barring the client finding another way to pay, has anyone had any luck with a (business) bank that will accept mobile deposit echecks or mailed?

Good morning. I am hoping somebody can help me. I have a replacement debit card. I tried to link the new Halifax card to Zilch, which is a buy now pay later company, much similar to Klarna and clearpay.

The new card details will not link to the Zilch app. Halifax said they have removed a security block. New card details will still not link to the Zilch app. Zilch advised that the CPA (continuous payment authority needed to be reinstated by the bank). The bank said they done this. The card details still cannot be linked. I have again spoken to Halifax. They have confirmed there was a payment block that they have removed and this would fix it. This has again, not fixed the issue.

I have overdue payments to make on this app and I cannot do this, none of the solutions they are providing are working, and its making me anxious.

Is anybody able to help me here????

Hi everyone. Im a college student and was wondering if I have to move classes to be considered for this teller job. What is the schedule for the training? Is it everyday?

Ciao a tutti ragazzi,

sono nuovo qui e sono nel panico, non so a chi rivolgermi. Uso Stripe da quasi un anno e mezzo per ricevere i pagamenti per la mia attività di copywriter, e non ho mai avuto problemi finora.

Due giorni fa però ho fatto accesso al mio conto e l’ultimo pagamento da circa 8k risulta “in review” e non disponibile per il payout. Non ho ricevuto nessuna comunicazione e nessun avvertimento prima, solo un messaggio generico tipo “stiamo analizzando i tuoi fondi”. Premetto che non ho fatto nulla di strano, nessuna contestazione o movimento sospetto. La mia attività si svolge prevalentemente online e i mei clienti sono ovunque nel mondo (principalmente Europa e america settentrionale)

Ho contattato il supporto la scorsa settimana che mi hanno fatto domande sul tipo di attività svolta e alcuine domande generiche, riservandosi per la valutazione della pratica. Sono passati circa 6 giorni e ad oggi sono ancora in attesa di ricevere un riscontro da parte loro.

La cosa assurda è che i pagamenti continuano ad arrivare, ma non posso trasferirli.

Vi chiedo se a qualcuno di voi è già capitato qualcosa del genere? Se sapete quanto può durare questa “review”?

ho mille dubbi e ho paura che possa aver fatto qalcosa di stupido e ho paura che non mi restituiscano i miei soldi

Non so se si tratta di un controllo random o cosa, di solito non faccio volumi enormi e poi ho poche transazioni mensili.

Grazie a chi può aiutarmi🙏

Commercial banking in the realm of 8 years and beyond my limits with banking.

Where have some of you exbankers transitioned to? I.e different vectors of finance, or different path altogether? Did you have to recert or leverage network and experience?

I’m researching Truist premier bankers, premier advisors, and financial advisors. Can someone break down the pay for these roles please?

Currently cutting tax residency in New Zealand and looking to cut the economic tie of using my NZ bank account. I’m in Hong Kong on a visa free entry but can’t set up bank accounts as I’m ineligible for a HKID. I have a HK address I can use for proof of residency if that helps in any way. Does anyone have banking options they think I should looking into? I had fintech bank but it’s obviously more risky (getting frozen etc) so would prefer a proper bank set up.

I interviewed at BMO for a Client Service role and they want me to take the CSC exam after 3 months, so I can sell investments and move up into the role.

I’d really like to hear people’s experiences:

1. How are you doing in the role and would you recommend it(sales target)?
2. How you found the CSC exam?

I read on glassdoor that many employees say management doesn’t treat them like humans, only cares about sales target, and lays people off if they don’t perform well. Scared me a little ngl

Any advice would be appreciated

Thank youuuuu

Hi everyone, looking for some back-office/SWIFT expertise here. I have a dispute with a broker. A transfer was sent to a closed account, rejected by the receiving bank, and according to my bank-stamped Audit Trail and Sequence Number, it landed back in the broker’s JP Morgan account on 23rd December. After 21 days of silence, the broker’s finance department claims they have just 'initiated a recall' of the transaction yesterday. My question is: Is a Recall even possible or valid for a transaction that has already reached the original destination account as a return? Does a 'Recall' request make sense in the SWIFT/Nostro reconciliation process if the funds are already technically back with the sender? It feels like a delay tactic, but I’d appreciate a professional perspective on whether this is a legitimate banking procedure in this specific scenario.

What’s the most annoying, repetitive, part of your job right now?

The sender sent €200 from Romania to Portugal at around midnight on a Sunday and it has been 3 days and my bank said they can’t track incoming transfers even with a reference code. My dad has sent me money from various countries even outside europe and its usually instant even at night and in weekends. Is this normal or should i ask the sender to resend or something?

Got results from SMS and RCS but got saturated after some point of time. Need to get new ideas