I see what you're saying, but I personally don't see it as an explanation for what happened to the above poster getting their account closed. Everything about the current banking situation (or the one that existed in September when their account got closed) was known to BD in February/March of this year when they revised the program: what their "new" deal with AA is, that debit card fees would be severely restricted this summer, and the economy has not changed much if at all since then with respect to interest rates or inflation.

That all being the case, if they chose to put in a cap of $200,000 to earn the old mileage rate, why would they care about people that were near the cap? If they can only make money off of people with much lower balances because of service fees incurred, then why not just set the cap much lower back in March, or change the earnings rate as Guaranty Bank did?

Also, looking at all accounts in aggregate, I would think that the average balance where any measurable amount of service fees are incurred (such as overdraft/NSF fees) is far below $200,000. I'd be surprised if someone with a $30,000 average balance ever overdraws.