Banks send out a cashier check upon closing accounts. I was pointing out some edge cases (last deposited check being the culprit of closure; however, this check

Banks send out a cashier check upon closing accounts. I was pointing out some edge cases (last deposited check being the culprit of closure; however, this check was cleared by the payee bank). Contingency is one reason. It also depends on what you use banks for. If it is direct deposit from jobs and paying bills, big banks are okay. The moment you start use Zelle heavily, one of those zelle recipients is linked with suspicious activity, that's a problem (btw, Zelle is owned by big banks). Banks find so many things suspicious: many check deposits, many zelle transfers, low balances, many cash/money order deposits, asking for cashier checks, wires(both domestic and foreign), any crypto activity, being a public figure, names similar to those on OFAC list, etc. Basically, they want normal customers (4 pay stubs, paying 10 bills a month) or extremely wealthy clients. Otherwise, you don't fit the average profile, and whatever you do is construed as not being legitimate.