While it may be tempting to pick whatever is on top of the list, you should make your decision after factoring in bank locations, reputation, customer service, online tools, ATMs, fees etc. rather than just go for the extra 0.04% in interest.
> my phone since it was on a prepaid plan
That is likely your reason (burner phone). Did they ask you for hard evidence of your identity before unlocking your account?
It's a regular Verizon line but because it's prepaid some websites don't like it.
The "unspecified reason" turned out to be me trying to transfer some money to a business checking acct that I have. That's against their ToS and could have probably been a quick reversal (when I finally got through to the right person it took about 5 minutes), but the phone verification thing gummed stuff up for a few weeks.