They've been really good to me, and to some friends of my mind, who have the problem described by "legitimate business which at times has significant spikes in

They've been really good to me, and to some friends of my mind, who have the problem described by "legitimate business which at times has significant spikes in volume." The first time I knew it was going to happen I gave them a heads up in advance, and got back something to the effect of "Oh, don't worry, we know you're on the level Patrick." I've subsequently had e.g. one-day spikes in the $X0k range (where the account's steady state would be $1k a month) and never had a problem. I never had an issue with Paypal that calling them didn't resolve, but that sort of spikiness made me worried about their future actions, and relatedly that of my actual banks. As long as I'm here, I'll recount an anecdote from Bank of America, which I wanted to apprise "You're going to see a bunch of wire transfer coincidentally happening at the same time in the next few days, which will be FAR above the norms for this account, and I'd like you to know what is happening so you don't go doing anything rash like filing a Suspicious Activity Report." Two things I learned during this process: 1) Knowing what a Suspicious Activity Report is and why one would want to avoid having them filed is is considered by some employees to be suspicious. 2) After getting the run around from telephone support, I decided to do a branch visit, at the Bank of America branch on Wall Street (since I was in Manhattan to visit Fog Creek at the time). The banker I was talking to listened attentively and then asked for clarification: exactly how much money was I talking? I gave him an estimate, whereupon he replied "Sir, this is Wall Street. We have entirely different standards for what constitutes 'a large amount of money.'"