My best Hub account was Customers bank but for an unknown reason they canceled my account.
Any favorites with fairly good interest rates?
LendingClub Bank has some good Hub Bank policies, and is my second choice for a Hub Bank after Customers Bank. If you need the daily maximum $250K ACH out limit, you either have to first have $100K+ balance for 7 calendar days, or $50K+ balance for 60 calendars days. Their LevelUp Savings pays 4.40% APY, but you need to have $250 minimum deposited in monthly to get this current maximum interest rate. Wires are free. Incoming hold time could take 3 business days if you are initiating the ACH pull via LendingClub.
I did call and all I could find out was the email address for digital banking department and I'm awaiting an answer, but as you said others mentioned doing a lot of transferring and not regular banking might have been why they closed my account.
Regarding Customers Bank: You're welcome. In 2024, they were confronted by the Feds because allegedly they were not doing more to protect from money laundering. Speculation is that people who actually do money laundering are more likely than not to just use bank accounts primarily for transfers.
CIT Bank has some excellent ACH limits, but their hold time is 5-business-days for money pulled in, which always equates to 7 or 8 calendar days. Yes, you earn interest during the hold, but in my opinion, 7 or 8 calendar days hold is excessive, especially considering Customers Bank and Chase Bank, as 2 examples, have no hold time, and LendingClub has 3 days.
I used to have Bread, and I ultimately closed the account. By the way, here at DA, there are 137 reviews for Bread, with a total 2 out of 5 stars rating. The latest review is June 17, 2025, where the person reported that Bread closed their account for no reason. I am aware there are people who are very happy with Bread as a savings account, so of course it can work out for people. I thought with Bread, after 90 days they will automatically allow people to send out via ACH $100,000 per day, but people would have to call to verify if this limit still applies. And yes, people can call to request to send more, as you said. And of course, 4.30% APY is a decent rate for a Hub Bank.
Fidelity is $100K ACH daily limit, but (and thanks very much to txFish1 for the info in the comment below), you can call in and get approval for over the $100K daily limit. Their rate is 2.21% APY. I know you can put the cash into Fidelity Money Market Fund, SPAXX, to get higher rate. I think it's 4% as I write this.
How long after giving notice did Customers close your account?
It's nice when you can use Chase RTP, even if it is limited to $5,000. But when you can't, you also have the ability to Zelle the $5,000 if you have established prior Zelle transfers to yourself or others, and finally ACH transfer to yourself at your external banks, which typically arrives next business day, as you know.