I'll switch to billpay for a third of withdrawals. Another third I'll get checks sent to me to deposit, and the last third still will be banking transfers.

I'm not looking forward to a check to my cc getting lost and I have to explain to my cc company I'm using their card to get cash on my RB to then payoff their cc.

But anything to avoid money-laundering suspicions which could shut my bank accounts.

footnote- I did $1 test transfers back and forth and noticed while the one from my bank was in the RB in 1 day (Dec 31-Jan 1), the one from RB to my bank done the 31st says it will be sent Jan. 6.

RB's doing some serious float.