Unless that business is in crypto, in which case you'll freeze their account. This happened to us, which halted our payroll and hurt us. We had to scramble to find an alternative, which is now Brex.
To Mercury's credit, their staff was responsive the entire time in helping us transition. But the fact that they couldn't give an ETA on when things would resolve with their partner bank was distressing for us.
I do not think it is fair to complain about regulated banking when you yourself deliberately do stuff with crypto. Even more so when you mention that this particular institution was helpful with resolution out of the hole you dug yourself into.
I don't want to start a debate on how crypto should be treated, but currently it is treated the way it is.
To Mercury's credit, their staff was responsive the entire time in helping us transition. But the fact that they couldn't give an ETA on when things would resolve with their partner bank was distressing for us.