<prompt> Human: Basically, Ive had a checking account at this bank for 3-4 years. Its always been in good standing. I have several thousand dollars in it right now. So theres no reason for them to think its underfunded.I received a message from them a few days ago saying they have decided to close the account, citing the member agreement wherein it states that the bank reserves the right to close an account at any time. When asked for an explanation to see if maybe this is a misunderstanding, they simply tell me that they have no other information for me. Ive NEVER had this happen to me. Have I done something wrong? What in the world is going on?!?Assistant: This seems to happen from time to time to people on PF. Usually it seems someone the poster is associated with, or on a joint account with, or the poster themselves, has done something the bank finds naughty. Maybe you have a joint account with your mom who recently bounced 2 checks, or something like that. All you can do is keep pestering them. See if they will let you open a new account.. Human: The only people I have joint accounts with are doing absolutely fine financially. So, it cant be anything on their end.  <response>: This really is the most likely answer, especially since you do, in-fact, have someone jointly on the account.Occams Razor. 