Business bank account frozen, restricted, or under review?
Find out what your banking activity may be telling the bank, and whether Bank Right can help. The sooner you understand what they are seeing, the more you can do about it. A confidential 2-minute case assessment. No cost, no obligation.
Start My Free Case AssessmentSeven questions. A Bank Right specialist reviews your answers within one business day.
- Confidential case assessment
- Business and personal accounts
- Transaction activity analysis
- Source-of-funds review
- Independent analysts, not a law firm
What the free assessment tells you
- Whether your situation looks like a banking-activity problem, a documentation problem, or a legal one.
- Whether a Bank Right review is a fit for your case, or who you should be calling instead.
- Which review matches your situation and what it costs, before you commit to anything.
No statements or documents needed yet. Your answers are reviewed by a person, not sold to a list.
You called. You got "under review." You called again. Same answer.
How a business account review actually unfolds, in two minutes.
Maybe the bank said "business decision." Maybe "nature of your activity." Maybe they asked for invoices, contracts, or the source of a deposit, and you sent them, and the silence continued.
Meanwhile payroll is still coming. Vendors are waiting. Your ad accounts, your inventory, your rent are all tied to an account you cannot touch. And at night you are replaying every wire, every Zelle, every large deposit from the last six months, looking for the one transaction that did this.
Here is the part most owners never hear.
Your bank is probably not judging one transaction. It is comparing a pattern to a profile.
When you opened the account, the bank recorded a picture of your business. What it does. How much moves through it in a month. Who it pays. Who pays it. Whether money crosses borders. That picture became the baseline the bank's monitoring measures you against.
Then your business grew. New clients. A second entity. Contractors overseas. A new payment processor. Bigger ad spend. Every transaction was legitimate. But the gap between the business on file and the business in the account kept widening, until the activity stood out.
We call this Profile Drift. It is one of the most common and least understood reasons a legitimate account ends up under review, and it explains the sentence we hear more than any other: "I've always done this." You have. The profile never moved with you.
It is not the only reason. A single returned check, a flagged counterparty, an incomplete verification, or a legal order can each do it on their own. Part of our job is telling you plainly when drift is not your story.
The things you have already tried are aimed at the wrong target
Most owners do everything right, in the order that seems logical. The problem is that each step answers a question the bank is not asking.
| What you tried | Why it did not move the needle |
|---|---|
| Hunting for "the transaction" | The issue is often the pattern, not one line item. You can stare at a statement for a week and never see what a monitoring system scores in seconds. |
| Calling support or the branch | Frontline staff usually cannot see the compliance file, and cannot discuss it if they could. "Under review" is often the most they know. |
| Sending more documents | Documents explain transactions. They do not explain a pattern. Unrequested documents can also raise questions the bank had not asked yet. |
| Opening an account somewhere else | Same activity, fresh profile. The drift can start again on day one, and now there is a closure in your history. |
| Calling a lawyer first | A good attorney addresses your rights and the process. Most are not set up to reconstruct twelve months of activity and tell you how it reads from the bank's side. |
See your account the way the bank sees it
Banks run transaction monitoring that scores velocity, volume changes, new counterparties, related-entity transfers, and source-of-funds gaps against your profile. Our analysts apply that same lens for you. We call it a Profile Gap Analysis.
Reconstruct the activity
We rebuild 3 to 12 months of account activity from your statements: inflows, outflows, counterparties, transfers, timing, and how each of them changed over time.
Map the profile against the reality
We lay out what the bank most likely has on file about your business next to what the account actually does today, and mark where the two have separated.
Identify what may stand out
Velocity spikes, round-number transfers between your own entities, new international counterparties, deposits with no visible source, rapid in-and-out movement. We show you which of these may be drawing attention and why.
Line up the documentation
For each item that may stand out, we identify the legitimate record that explains it, so the story your documents tell matches the story your transactions tell.
What Bank Right can and cannot do
What we do
- Identify transaction patterns and activity changes that may stand out to a bank
- Show what may have contributed to the review, restriction, or closure
- Find gaps between your documentation and your actual activity
- Prepare you for the questions a compliance analyst may reasonably ask
- Give you a written analysis you can hand to your attorney or CPA
- Give you the documentation and explanation to respond well, which is the part that gives you the best chance of a good outcome
What we do not do
- Contact your bank, negotiate with it, or make its decision for it
- Remove a flag, a record, or a report anywhere
- Tell you the exact reason. Only the bank sees its own file
- Provide legal representation or legal advice
- Promise an outcome. Anyone who does is guessing
Why we are this blunt
If you need someone to promise you a result, we are not that company. If you need to understand what you are actually dealing with, so that every call, every document, and every decision from here on is made with your eyes open, that is exactly what we do.
The typical timeline of a business account review
Every bank is different and no timeline is guaranteed. But most owners recognize themselves somewhere on this line.
- Days 0 to 3A card declines or a wire bounces. You call. You hear "under review" or "restricted." You assume it is a mistake.
- Days 3 to 10The bank asks for documents, or says nothing at all. You send what you have. You start replaying transactions.
- Days 7 to 30The silence. Same answer every call. Payroll and vendors are now the problem. This is where decisions get made in the dark.
- Day 30 and beyondEither the review closes, or you receive a closure letter with a date and a check "to follow." The next bank starts with a blank profile.
From free assessment to answers
Answer seven questions
What happened, business or personal, how much is inaccessible, what the bank has said and asked for, and whether any legal action is involved. About two minutes. No documents yet.
A specialist reviews your case
Within one business day a Bank Right specialist reads your answers and tells you honestly whether a review fits your situation, or where you should go instead.
A short case call
A 10 to 15 minute call to hear the details, explain what a review would look at in your case, and confirm scope and price before you decide anything.
Bank Account Risk Review
- Up to 3 months of statements and your bank correspondence
- Transaction risk analysis and top findings
- Potential trigger analysis: the strongest evidence-supported reasons for scrutiny
- Documentation gap checklist
- Written report and a 30-minute review call
Priced to be a first step, not a last resort
Legal reviews of a frozen account start well above $2,500 and rarely include transaction reconstruction. Bank Right is built to be the analysis you do first, so that anything you do afterward, including hiring counsel, is done with the facts in hand.
Multi-account or multi-entity cases, and reviews covering up to 12 months, are quoted after the case call. Comprehensive reviews start at $2,495.
Nothing is charged for the assessment or the case call. You will know the exact scope and price before any work begins.
What to do, and not do, while your account is under review
General guidance, not legal advice. Every case is different.
Do
- Keep a written log of every call, name, date, and what you were told.
- Answer exactly what the bank asked for, completely, in one organized package.
- Gather statements for the last 6 to 12 months now, even if nobody has asked yet.
- Set up a contingency for payroll and critical vendors before you need it.
- Stay calm and factual in every message to the bank. It is all on file.
Do not
- Send angry emails or threaten the bank. It rarely helps and it stays in the file.
- Move funds around the restriction, or ask a relative to move money for you.
- Volunteer documents or explanations the bank did not request.
- Open new accounts elsewhere in a rush before you understand what happened.
- Sign anything you have not read, or agree to a closure timeline under pressure.
Frequently asked questions
Can you get my account unfrozen?
No, and nobody honest can promise that. The bank makes that decision on its own. What we do is show you how your activity likely looks from the bank's side, what may have contributed to the review, and what documentation makes the real story clear. That is the foundation for every decision you make next, including whether to fight for the relationship or plan an orderly move.
Should I hire a lawyer instead?
Sometimes, yes. If your freeze involves a court order, garnishment, tax levy, judgment, or law enforcement, an attorney or tax professional should be your first call, and the free assessment will tell you that. For compliance and activity reviews, many attorneys are glad to have a Bank Right report in hand before they engage. The two are not in competition.
What does the free case assessment cost?
Nothing. It is seven questions and a short review by a specialist. There is no obligation and no automatic enrollment in anything. If your case is not a fit, we will tell you and point you somewhere useful.
What do I get in the Bank Account Risk Review?
A written report covering a transaction risk analysis of up to three months of statements, the strongest evidence-supported reasons your account may be drawing scrutiny, a source-of-funds review of transactions that may need supporting records, a documentation gap checklist, and preparation for the questions a compliance analyst may reasonably ask. It includes a 30-minute review call. The full outline is on the Risk Review page.
How fast is it?
You hear from a specialist within one business day of submitting the assessment. Once we have your complete statements and correspondence, the written report is delivered within 5 business days. If payroll or a closure date is imminent, tell us on the case call and we will say honestly whether we can move faster.
Is my information confidential?
Yes. Your answers and any documents you later share are used only to assess and analyze your case. We do not sell leads, we do not share your information with banks, and we do not contact your bank on your behalf without your written direction. See our privacy policy.
My bank said it was "suspicious activity" and asked for source of funds. Is that something you handle?
Yes, and that is often the best possible position to be in. As of September 2026, federal banking regulators have clarified that banks may tell customers a restriction relates to suspected suspicious activity and may ask about source of funds. If your bank has told you that much, the question is now very specific: what in the activity looks that way, and what records make it make sense? That is exactly what the review is built for.
Which banks do you work with?
Any U.S. bank, credit union, or business banking platform. Owners come to us with reviews at large national banks, regional banks, and online business banking platforms alike. Bank Right is independent and is not affiliated with, endorsed by, or acting for any bank.
What if it turns out Profile Drift is not what happened to me?
Then the report says so. Drift is common, but it is not the only cause. A single flagged counterparty, a returned item, an identity verification gap, or something on the bank's side entirely can each be the story. We would rather tell you "this does not look like a pattern problem" than sell you a pattern you do not have.
Stop guessing what your bank saw
Seven questions. Two minutes. A straight answer about whether Bank Right can help, and what to do if we cannot.
Start My Free Case AssessmentConfidential. No cost. No obligation.