This policy is creating situations where bank customers are unable to make purchases or do online banking even when they have substantial balances in their cash accounts. In some cases, they can’t even make payments between accounts within their own bank, unless they go to a bank branch to handle the transactions.

If you are in that type of situation with your bank, I strongly suggest that you either move your cash accounts to another bank as soon as you can – or payoff and close all credit cards and other loans with your bank.