Update:
I have done a 50% water change.
I put prime in at a 4 caps per 50 gallon rate to neutralize the ammonia.
Ran a test. It's now registering at 1ppm ammonia (which is still way, way too high)
I'll do another water change in 12 hours. I don't want to do a full water change because the PH from my tap is 7.2-7.4, while the ph in my tank is 6.8-7.0 Didn't want to swing the PH and hurt them that way. The prime should keep things neutralized.
Another consideration: I read that chloramine can read as ammonia in another post in the forum. If there was a bunch of that in my tap water, it could also explain my problems. When I ater change, I only put in enough prime to neutralize a typical amount of chemicals, 1 capful per 50 gallons. The fish started acting funky at around 24 hours after their last water change. So maybe the prime wore off or wasn't enough?
I'm kinda hoping it was ammonia. If it was chloramine, it probably killed off my bacteria to boot. There's so many factors!
I'm thinking more and more this is my water supply. Sadly, I can really only age a small amount of water, which I do for my hospital tank in the basement. My main tank is in my living room, 40 feet from any sink and there's just no place to store an aging barrel that's not an eyesore. I realize the benefits of aging water, but it's just not something I can easily do in my home for anything but my basement tanks. I think I'm going to simply have to test my tap water before every water change to make sure it's safe. I grew complacent. :-/