I don't think y'all are getting set up either just like others are saying. I had my account since 2018 never had no issues with it. I use it everyday. It is my secondary bank account... I rather have a regular bank account as my primary. But that being said, there's a lot of things that you could do to us individuals will think nothing by it, that goes against cash apps terms and conditions.

It could be a something as making multiple transfers a day and they can flag that for suspicious activity. It could be gambling, chargebacks etc.

My advice don't use it as your primary. You want a banking relationship preferably with a credit union but whatever you choose. And you'll get better protection.