Back when they started wanting to enforce bank account connections and "You can only send $500 lifetime if you don't do this!" along with all kinds of other crap, I decided it was time to go.
I never ran into that....not sure if I was connected....likely I was with a bank account that was closed eons ago.
It didn't last long, so you may have missed it. But there was a short time when it would automagically select a bank account over a credit card when paying, no matter what you told it.
I remember. I had a browser extension that popped up a reminder to switch to a CC every time I checked out.