Re: What happens after 180 days
Lots of members have said they've had to call in after the 180 days and add a bank account over the phone. That will probably be your only option because they won't usually allow you to add a bank account on the website post-limitation.
You might get lucky and be able to complete the process without talking to a rep. I called in to add a bank once (NOT on a limited account) and the whole process was automated. I just gave the robot my account/routing number and test deposits came the next day. Since you're limited though you may be forwarded to a rep as soon as you call. Who knows...
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