We consulted with a lawyer, not because we thought what our bank did was actionable, but just to explore options. First thing our lawyer said to us is "I want to make sure that you're not expecting that I can waive my magic lawyer wand and force the bank to reverse their decision right?" Of course we didn't expect that, but I did want to know if we had any rights that were being infringed and I had a few ideas about what to do with the business's money should the worst case scenario play out and I wanted to get a legal opinion and advise.