Went to a bank told them want to open free BSA.
Bank worker:Oh, we don't have this account. All account need to pay.
Me: Produce proof that free BSA exist (pic from bank webpage).
Bank worker: Oh this account. No good. Limited withdrawal. We charge you if you exceed the withdraw limit. Suggest you to open paid account.
Me: I still want this free account
Bank worker: Cannot.
Me: Go talk to your superior about this account

Finally with a black face,  the bank worker reluctanted and let me have the account.

increase limit cooling period is still fine,

the worst part is transfer money need wait 12 hours, especially when customer are buying something and need wait transaction for 12 hours, is seller going to give the item to customer or tell customer came back tomorrow?

This is really nonsense

It will only show the message AFTER you click confirm/approve. It won't show at the preview/confirmation page so you will never know whether this transaction will subject to cooling off period or not until you click submit.

I kena twice and now I empty my CASA in this bank already.

I don't know can perform another transaction or not, didn't try it.

Nobody call me.

Next morning I call bank to tell them to release the payment, they say can't, system is like that.