What about the sudden implementation of withdrawal limits on savings accounts? Apparently, more than 6 withdrawals from savings per month is some kind of federal reporting trigger, and the bank can and will close your account for exceeding that. I don't recall any such limitation until recently, although I am not sure what law was passed to make that effective. They insist that you use a checking account for frequent transfers instead.

I wonder if there is some backdoor law that allows them to snoop on checking accounts but not savings accounts, and so they decided to make savings accounts less useful. It's strange.