I had this happen to me with Wells Fargo years ago. I had nearly $35k sitting in my account, and they locked me out of access to my funds (with no warning) AND were holding it hostage until I agreed to pay $1600 to US Bank, where I had previously had an account that I had closed due to fraud and was still fighting it. And…you guessed it…that $1600 wasn’t money I had spent. It’s all a damn racket.