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Pre-emptive shutdown-risk check

Ten questions about the behaviors consumers most often report before a bank's risk algorithm closes their accounts. Honest answers, honest score — and what to change.

Have you split a large purchase into several smaller ones (to stay under a limit or chase a credit)?

How many credit accounts have you opened in the past 6 months?

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Did you move a direct deposit to a new bank recently?

Did you make a large purchase shortly after opening a new account?

How often do you use cash advances or buy crypto/gift cards on cards?

Has your spending spiked vs. your normal pattern recently?

How much peer-to-peer volume (Venmo/CashApp/PayPal) runs through your cards?

Does business revenue flow into a personal account?

How many accounts (cards + deposit) do you have with your main bank?

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Is your address/phone/email out of date with any bank?

Banks' risk models are proprietary. This check reflects commonly reported trigger patterns — it is an education tool, not a prediction of any bank's decision.