Originally Posted by
flyertalkingallday
I am pretty sure that it was due to my $4k/month in AP transfers.
I wouldn't be so quick to jump to conclusions.
Start with their letter and their stated reasons.
How many transactions (deposits + withdrawals + ach + anything else) were you doing to your SAVINGS account each month?
If I had to guess, I'd guess you ran afoul of Regulation D.
http://en.wikipedia.org/wiki/Regulation_D_%28FRB%29