Just as a followup. I got a call from the department that handles account closing/customer complaints and explained the issue. It’s confusing because even she referred to “Customers Bank Transfers both internal and external”(internal account to account and transfers to another bank being the “external?”) however those according to her are different than transfers initiated by an external bank which again according to her should only have the limitations imposed by the external bank which would pretty much be business as usual. I have at least 3 other accounts with moronic low transfers where I use Ally to transfer funds in and out via ACH.
To test this once and for all I’ve initiated a larger than they allow transfer from my Ascent MMA back to Ally and am waiting to see if it processes or is blocked. I’ll report back once I know for sure one way or the other.
I also specifically questioned the legality of preventing access of funds to a disabled individual who may need them for medical bills. She asked me to send over a copy of Ally’s limits so she could send it up the chain to show what competitors are allowing. Bottom line I’m in a holding pattern but it only took 24 hours to get my service request looked at which is much better than the “14 days advanced notice” mentioned previously.