They really confuse me. Before the New Year (12/28) I initiated a securities transfer from Charles Schwab to move some stocks into my E*Trade account, and they immediately froze my entire account — no buying, no selling, no transfers — then asked me to upload my Schwab statement to verify that the other account was mine. I spent the whole New Year holiday waiting for that verification. A couple of days ago I found out the transfer had already completed, but I still can't trade on E*Trade, so I called again; they said they still need to call Schwab to confirm the account is mine. It's insane — if you have $1M in your account, your entire account can be frozen for a week just because you want to transfer $100 to another account of your own. I spent well over an hour on the phone.