Yes, my point is that banks don’t make it clear that maxing out their ACH quotas will get your account frozen and that you should do a wire transfer. You shouldn’t have to learn this the hard way by getting your account frozen (which is very stressful when it happens to you for the first time), and banks should make it clear what you should do, which is my point
Whenever I've been moving amounts at that scale, I've already had a close working relationship with my bank as a natural side-effect of my business activities. As a result, I'd be doing those sorts of transfers by talking to my account manager at the bank.
I suspect that's the norm that banks are expecting.
It's a pretty niche problem though, so I guess not surprising they aren't great about communicating it (it probably was communicated, on page 30 of your agreement in small confusing text).
probably not communicated. Banks usually don't like to say: "your account will totally get frozen if you do this thing up to the limit of what we said you're allowed to do".
They like to keep the impression that account freezes are discretionary not automatic.
