<prompt> Human: I was just told by Ally Bank today that they consider ANY payments to 1099 contractors to be business income. Apparently, only W2 employment income is considered personal income. I was told that if I kept depositing business income, my accounts would be closed.I receive payments through an assortment of ACH, checks, PayPal, and Stripe sweeps. I have no business expenses, refunds going out, or anything of the sort everything is incoming. I recently received an uptick in both the amount and frequency of PayPal and Stripe payments that apparently triggered an account review.Ally Bank called me and told me that if I continued to have PayPal and Stripe deposits, my accounts would be closed because they only allow personal accounts. Even though nothing touches their accounts other than my paychecks, they said they consider it to be sole proprietor income and the guy started reading their terms where it allegedly said that wasnt allowed.Ive been with Ally bank from the beginning, so people may be slipping through. But just be aware if you get paid too much, they will flag your account and tell you your business isnt wanted.  <response>: Im surprised youre getting deposits to your Ally account from PayPal at all. PayPal told my husband they refuse to do business with online banks it was a policy change 6-10 months ago. It makes selling things on eBay a pain in the rear. But yeah, Ally doesnt allow businesses, and yeah, 1099 is sole proprietor. Hadnt thought of that, though :- I wonder if you can find a fee-free brick mortar bank, and then do regular transfers?My side-business is using a local banks fee-free business checking account, but being a business account it cant do automated transfers to my Ally checking account _ I have to write myself checks from one bank to the other. 