A bank can close your account without telling you why, and it can hold your money while it does. This article explains what a financial institution may lawfully do to a consumer account, what it may not, and where the enforceable rights actually live. It follows a hypothetical small business owner through a frozen account to show which complaints work and which are wasted. It explains the error resolution procedure that converts a complaint into a legal obligation with deadlines, and why a phone call does not trigger it. It covers deposit holds and the funds availability rules, overdraft and setoff practices, and the difference between an unauthorized electronic transfer and a payment the consumer authorized and regrets. It explains why some money in an account cannot be taken by creditors and how to prove it. It closes with the complaint routes that actually move institutions.