Bank monitors its savings and MMDA accounts for excessive withdrawal activity. Bank identified a savings customer with excessive withdrawal activity, and sent out notice letters with three occurrences, and with the third, notified the customer the account would be re-classified or closed, but could not remain as a savings account. Customer closes account. Customer then several months later, appears at another branch to open a new savings account. Should this be allowed? Or should bank maintain a list of individuals who have previously violated the excessive withdrawal limits at the bank, and therefore aren't allowed to maintain this type of account with the bank ever? How do most banks handle this? Can a customer wait 6months, a year, etc. and then open a savings or MMDA account again, if they previously had such an account closed/re-classified by bank, as a result of excessive withdrawal activity?