This seems to me like a good place to ask this question, (and I'm fully aware that any answer can only be speculation based on previous DP's).

I'm out of the country at the moment and returning to the US in 2 days While on my annual 3 month holiday I've been informed my Business and personal checking accounts at a smallish regional bank will be closed for suspected ML 2 days after I return. No whining or crying from me about this, since before I even started MS'ing I read extensively about the game and I knew I should have been smart and only deposited MO's @ a throwaway bank. The previous head teller, (who is now the branch manager at a different branch), was actually VERY helpful here because the closure was supposed to happen a month ago but he got in touch with me through my daughter and managed to put the closure off until after I return. A valuable lesson I can learn from, so no problemo.

Since I've been looking at what bank to open a new Business Checking account at, (and another throwaway bank for MO deposits), I've come across DOC's Bank SUB page. Sure looks like easy money to me.

I have no need or interest in actually "Banking" at a large, national commercial bank. However, one deal pops out to me @ Chase, $500 for $2,500 parked for 6 months and only 5 or 6 debit card purchases to meet the requirements for bonus and be fee free. If I choose to take this easy $500. I would not actually use this account as my primary Business checking, (but would show them enough vanilla usage to avoid any questions arising). I say this because I usually deposit between 700K-800K in cash yearly from my business, and I'm sure their currency transaction fees are ridiculous, LOL..

My concern is that I value my Chase CC portfolio highly, and my 2.5MM+ UR's which I would NOT want to redeem for a pitiful $25K in the event of a Bank-side shutdown leading to CC shutdown.

FWIW, I've read all the Chase shutdown threads here completely, (including the archived threads), and I don't believe I'm even close to being at risk of shutdown due to CC usage/acquisition.

We all know that a CC app @ Chase will almost always result in a secondary underwriting review even if it's an auto-approval.

So my question is, is anybody here aware of any circumstances whereby a simple opening of a Business Checking account @ Chase caused a human review on the CC side of the bank?

Obviously, if they tried to sell me a CC off the soft pull and I took them up on it that would be different.