I don't get the point. They only block your CC to do this and not your account as far as I know. You can still make ACH to any bank (Including banks that are used for exchanges like Coinbase). That's a bank-to-bank transaction, just don't put "To Buy Bitcoin" in the description...lol. They can't stop that, ACH and bank-to-bank transaction is their primary function. Also, if they piss you off, change the bank, there is still plenty of fish in the sea...