The Checking Post · Articles
Everything this desk has published
Each piece below is built on a public record we pulled ourselves, and every figure in it carries the date we checked it. Newest first.
2026-09-16 · 11 min read
I told her to keep asking why, and where the answer is the one she feared the rule instructs every person she could reach to refuse her
A suspicious activity report and anything revealing its existence are confidential, and the prohibition survives a subpoena and covers government bodies in a.
2026-09-09 · 12 min read
The wire settles in seconds and is irrevocable when it does, and every hour you spend waiting is either your own bank’s cutoff or a rule that allows the next business day
Fedwire opens at 9 in the evening for the following day and closes at 7, with customer transfers stopping at 6:45. Regulation CC then lets the receiving bank.
2026-08-31 · 17 min read
The rule that made a money market account different from a business savings account was deleted in April 2020, and the fee for breaking it survived
Regulation D names the money market deposit account inside its own definition of a savings deposit, so every difference on the product sheet was put there by.
2026-08-24 · 11 min read
You have a right to reasons when a bank refuses you a loan, and no right at all when it refuses you an account
The rule that produces a written explanation is about credit, and a checking account is not credit. In one class of refusal the bank is forbidden by name.
2026-08-24 · 11 min read
The 2,000 dollar bar is harder than the 5,000 dollar one, and the reason is the method rather than the number
One is a minimum daily balance and the other is an average, so a company with more money in the account can fail the smaller test. The federal rule that.
2026-08-24 · 13 min read
There is no cash deposit limit on a business account, and the advice to stay under 10 thousand dollars is the part that is illegal
The reporting figure was set by the Treasury in 1972 and never indexed. Banks filed 20.5 million of these reports last year, law enforcement opened about 5.
2026-08-24 · 11 min read
Your bank is far likelier to be sold than to fail, and the sale is the event that moves your money
117 charters left the FDIC register in 2026 and 2 of them failed. Deposit insurance is written for the rare event. The common one changes your routing.
2026-08-18 · 9 min read
Does Regulation E apply to business accounts, and what protects the company money instead
The 50 dollar cap, the 500 dollar cap and the 60 day rule all live in a definition that says personal, family or household. A company account is outside it.
2026-08-14 · 14 min read
How long can a bank hold a check deposit, and what a company account changes about the answer
The federal schedule in days, the two dollar figures that moved on 1 July 2025, the notice your bank owes you, and the paragraph that lets a business account.
2026-08-13 · 10 min read
How Same Day ACH works, and why the limit is the wrong thing to lead with
Three settlement windows a day, your bank's own cut-off sitting in front of each one, and a per payment limit going from 1 million to 10 million dollars on.
2026-08-04 · 11 min read
Fintech business account vs bank: four tiers, and the record on each one
A fintech business account and a bank account fail in completely different ways. Four tiers with a year of complaint data on each, the neobank business.
2026-08-04 · 11 min read
How to switch business banks, when 83 per cent of the record is about not choosing the date
A year of federal complaints about closing an account, split three ways. Why the bank is forbidden to tell you the reason, which companies give the money.
2026-08-03 · 11 min read
Best business bank account 2026: we ranked it on 84,177 complaints instead of fees
Every business bank account comparison ranks on fees, and fees change the week after you switch. This ranking is built from bank complaint statistics.
2026-08-01 · 12 min read
Is my business account FDIC insured? Pass through coverage, and the part that fails
Insured and reachable are different words and only one of them is in the marketing. What the FDIC 250,000 limit means for business money, how the deposit.