what kind of large business during a pandemic close out your spend account with out reason? then when you call to see why they won't let you establish one, the answer is due to privacy we aren't able to open it at this time for you. and that was speaking to a live person. however I find it interesting that I was able to open the savings account. so if my identity is good enough to open a savings account why isn't I can't open a spend account and without a spend account I can't get my income tax