Banking Guide

Your account was closed. Now what.

Step-by-step. What to document, where to file, and how to get paid again.

Context: OCC 2025 Review

The OCC confirmed in 2025 that major banks applied sector-wide restrictions to legal adult businesses based on reputational risk \u2014 not fraud, not illegal activity. Your complaint now lands in a documented federal pattern.

What To Do

Six steps, in order.

Document everything immediately

Before you lose access: screenshot your account status and balance, export your full transaction history, download all bank correspondence, and note the exact date and reason given (if any).

Your funds cannot be held indefinitely

Banks are required to return your funds after account closure. Document the amount held and the date. Funds held beyond a reasonable period are a separate, escalatable issue from the account closure itself.

File with the OCC (national banks)

helpwithmybank.gov covers Chase, Bank of America, Wells Fargo, Citibank, and other nationally chartered banks. The OCC’s 2025 review confirmed discriminatory debanking of legal adult businesses. Your complaint adds to the regulatory record.

helpwithmybank.gov →

File with the CFPB (all institutions)

consumerfinance.gov/complaint covers all financial institutions. The CFPB complaint database is public and referenced by regulators and legislators. Filing creates a permanent regulatory record.

consumerfinance.gov/complaint →

Open a replacement account before your next payout

Credit unions are the most reliable alternative to national banks. Your platform payout schedule does not pause while you resolve this. See the full Banking hub for state-by-state options.

← Back to Banking Hub

Update your platform payout settings

Log into OnlyFans, Fansly, or your cam platform and update your bank account information as soon as the new account is open. Payout verification typically takes 3–7 business days.

Common Questions

Specific situations.

Legal Disclaimer — Siren System provides legal information, not legal advice. No attorney-client relationship is created by using this site or purchasing a guide. Laws vary by jurisdiction and change frequently. Nothing on this site or in any guide constitutes legal, tax, or financial advice. Tax content is general information only \u2014 consult a CPA or enrolled agent for advice specific to your situation. Consult a licensed attorney for legal advice specific to your situation.