Скачать или смотреть Why Banks Instantly Freeze Large Deposits (The Fix)

Seven-eight figure transfers freeze personal accounts without warning. Banks treat large incoming wires on personal accounts as automatic red flags, and the compliance team moves faster than customer service can help you. Your money sits frozen while you're stuck in a queue explaining yourself.

Business accounts need three-twelve month seasoning before large deposits. Age and transaction history matter. A brand new LLC receiving a $2M wire looks like structuring or fraud to an algorithm. Build the account history first, run normal operating expenses through it, let it breathe before you move serious money.

Private client relationships at Mercury, Old Glory, and Capital One mitigate flagging risk through pre-notification. This is the part most people skip. You call your relationship manager before the wire moves, not after. You tell them the amount, the source, and the timeline. That conversation is the difference between a smooth deposit and a 30-day account review. Private client thresholds vary by bank but you're generally talking $250K-$1M minimum to access a dedicated contact who can actually do something.

One more thing worth knowing: always have the source documentation ready before you initiate the transfer. Purchase agreement, closing statement, investment redemption letter, whatever it is. Banks will ask and the faster you can produce it the faster you get access to your own money.