When your relatively small banking app generates more consumer complaints than Wells Fargo, you're really doing something very wrong. I would caution that befo

When your relatively small banking app generates more consumer complaints than Wells Fargo, you're really doing something very wrong. I would caution that before people try to blame the victims here ("don't use small banks!" "don't use banking apps!" etc), these things happen with large/established banks too. With accounts just being randomly locked for a "fraud investigation" that can take weeks (particularly for cash movements over 10K). What my spouse and me are doing is we have two checking accounts at different banks with a different one of us as the primary. Pay-checks are received at one, and a scheduled transfer moves some money to the second, and bills paid from both. That way even if one of our accounts did get suspended while a hassle, we could weather is with relative ease.