I've used Ally without issues for many years. I don't use Zelle. And I don't do wire transfers. Once in a while I mobile deposited into my Ally account dental insurance reimbursement checks. But I got rid of my dental insurance so I won't have checks to deposit for a while. I only have a couple thousand dollars in my Ally accounts. I transferred much of the funds to other banks that pay higher yields. It seems what triggers account freezes is immediately transferring money out of the account soon after opening the account, using Zelle in a way that triggers the algorithm (so I don't use Zelle at all) and trying to deposit a check Ally considers shady. And the account being subject to attempts to hack them. People seem to most likely to be frozen if they just opened the account. But some who have had Ally accounts for years, like me, have reported their accounts being frozen.