The key in my experience is to keep transactions small and uninteresting. Don't do $50,000 a month in one transaction. Break it up into $100.24 to $527.43 type transactions daily across 5 or 6 bank accounts.
I think that would be the best idea to escape from such culprit banks.But in our country,till now i have not faced any such issues.But in future while transacting bigger amounts,i would be careful here after.