I was turned down by both Bank of America and Columbia Bank (local WA State bank), as it violated their security procedures at the time - this was about 10 year

I was turned down by both Bank of America and Columbia Bank (local WA State bank), as it violated their security procedures at the time - this was about 10 years ago. The reasoning presented was a little suspicious - they envisioned someone "forcing" you to unwillingly take a loan (of like $100) by depositing it into your account. Then they would demand their $100 back and use this as leverage to blackmail or otherwise disrupt your life. But I don't totally disagree. To me, depositing money into another person's bank feels...improper - like performing an oil change on someone else's car, or taking someone else's books back to the library, or walking into your neighbor's unlocked house to lock all the doors. There are very good reasons someone would want these done for them, and also edge cases where these would cause an issue for the other person. It's a moral grey area to me.