Firsty, them deciding what is suspicious and not suspicious
Not everybody is an employee working for someone. Some people are entrepreneurs, and as an entrepreneur, you can have some HUGE days. I don't need a bank telling me that my successful day where i made $20k+ is suspicious if I want to withdraw all of it. (people have been arrested for making large withdraws before).
Also, banks freely allowing their customers to scam business (via chargeback). Instead of blindly chargingback purchases and screwing over merchants, visa applicants should be required to take a course outlining the risks of credit cards, and Visa should do proper investigations when a chargeback is brought up.
If a tracking number and proof of delivery can be proved, why should the customer be given their money back?
ALSO, i recently looked into banking investment options. It comes across as a way to just make more money off customers. Think of it like this. It's like it's just them taking your money so they can invest it in polyniex. I only tried it out cause my family (who doesn't know about bitcoins) encouraged it.
Do you have any gripes about banks
I agree in every sense of your statements with regard the 'suspicious withdrawals' considering it is our own money. But I think what they are doing is just to safe keep and protect its depositors from unusual deposits and/or withdrawals. Since its primary objective is to safe keep its depositors' money, it is its duty to exercise extraordinary diligence in every step of the way in handling accounts. Otherwise stated, it is just exercising its obligations to its clients. Anyway when it is duly proven that the withdrawal is done by the depositor himself/herself, the bank readily approves the same without further questions save for some limitations as set by the Central Bank.