I got a notice on my savings acct saying that I could not pay any bills unless I provided an Funding Account verification . I called and they said that I had not made any physical transactions at a B/M location and the acct had been frozen. I have not checked the T/C but the Rep said that if that transaction had been made within a Three yr period the accts are frozen because the have been Dormant.
Even with making transfers IN from an outside acct and paying bills does not count.
To get the acct Unfrozen you have to submit a letter to them. It Has be a written ?? Signed letter asking for the freeze to be lifted. Must have last 4 or acct # in the letter.
They told me it had to be faxed or scanned and attached to an Email .
They said 3yr thing is in the T/C or Fee list.
That is all the info I can provide. As Always YMMV