Try buying property for the first time. After having successfully wire transferred the 3% deposit to the escrow company, we tried to transfer the remaining amount of the down payment, and the bank just refused. They wouldn’t tell us in detail why but it seemed that a third party analysis service had flagged it as risky. We had to first wire transfer to another bank account with our lender (a different bank from where we had our cash to close), and that bank finally allowed the transfer to the escrow company.

It felt really scary when we first were denied the ability to transfer our own money. Each wire transfer takes days, not minutes, and there were moments where it seemed like the money didn’t exist at the sending or receiving bank, so it made closing in 21 days a lot harder and more stressful than we expected.