Your experience with Stripe

In your experience, how does stripe usually deal with "stealth accounts" ?

Do you use the same banking details, with multiple accounts? And what happens if one of the accounts gets disabled for some reason? Do they disable the accounts connected to the banking details or it doesn't really matter.

Also, how frequent does stripe hold funds, i know paypal can hold your funds for 180 days anytime they feel like, is it a similar scenario?

Thanks

Same bank details for several accounts? - Burn
Stripe hold funds for 90 days