Title says it all. I have a single character who can't access the account bank. All of my others can. I completed the tutorial (Jem Hadar, mission replay says I can't replay the 3 tutorial missions). I have already transferred account locked items to the character, had to take a bre4ak for a week. When I came back, it was locked. Now I can't transfer anything account locked to other characters. I opened a ticket with support who recommended I post this here as well.
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After jumping through those hoops you should have access to the account bank, tfos, etc again.
It is inconvenient—I know. Cryptic claims it was changed to prevent an exploit.
To gain access to the Account Bank:
(Note that for TOS/DSC, this involves them encountering Daniels and being brought forward to 2409.)