This is what I don't understand. What if you have to pay bills, do you tell your creditors that you have money in the bank but you can't take it out. If you have a mortgage payment, do you tell them get it from the bank. What if your credit card is due, do they charge you interest of 20 percent even though you have the money but no access to.
They have "Controls." If you need to pay your electric bill, the bank will transfer the money. Same with paying a supplier if you're a biz owner. Just about ANY good reason can be used but the check will be written out to the recipient BY THE BANK or it will be transferred electronically.