My last bank had limits like 20k/day and 50k/week, so it seems like yours could have 50k/day and 60k/week if they "really don't like" you using it like this.
If you do what I did, you usually get a temporary hold on your account and some very skeptical bank employee calling you to grill you on what you’re doing.
On one hand I get it. For every story like mine, where this is just a temporary frustrating inconvenience, there’s probably a story where grandma lost her life savings after talking to the nice man from Microsoft on the phone. But also they don’t make it clear at all what you are supposed to do as non-criminal to work around their restrictions, which is just bad for customers.
Yes, it's hilarious.
One of my banks requires me to do the transaction over the phone if it's above a certain limit.
At which point, you talk to someone in a call center, and they proceed to ask you exactly the same information which you needed to introduce in their web interface to make the wire transfer yourself, and nothing else.
This includes giving your web interface credentials over the phone, which could be heard by someone inadvertently or even phished if you happened to have misdialed accidentally. Or stolen by the call center employee.
It's also great fun to have to spell out 20+ account digits, the names of the other people/companies, phone numbers and email addresses to receive confirmations and even a description of the transaction (fortunately I don't always buy sex toys).
Gosh, how I love to spell out all this information, digit by digit, letter by letter, over a phone call! But since it's for my protection it makes it OK, right? Right? Hello?
And yes, this will cost more and take more time than the spreading-it-out method.
maybe if you're moving 50k/week they'll try and get you on a business account, but at that point you're already not using the account for the purposed you claimed when you opened the account.