Don't trust banks for any reason. Credit unions are nicer, but they can still freeze the accounts. I use them as little as possible. Plan accordingly.
They don't warn you or compensate you when all this is going on because it says in their terms and agreements you agreed to when you open the account that they don't have to. (it's in the VERY fine print).
It's evil and insidious. Society makes it so that you have to have money to survive. We are the only species on the planet that uses it to "live" you know.
Things are slowly changing.