See in this thread:

https://news.ycombinator.com/item?id=45058480

> If you are the customer you want a bank that understands what kind of inflows/outflows you’ll typically have. The bank wants to manage the risk, and you want a bank that doesn’t freak out at what seem to you to be very mundane transactions.

https://news.ycombinator.com/item?id=45058894

> A bank account is only insured up to $250k by the FDIC.