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Having a checking account is a privilege, not a right, but most people forget this until they lose access to their accounts. The security software that banks use to sniff out criminal activity is easily frightened. It sets off millions of alarms across the industry each year, and most of them are false. Nevertheless, bank staff members following up on the warnings appear to be cutting an increasing number of innocent customers off from their accounts, The New York Times reported in a series of r

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