Like I said, could be, but if I wanted to do something not entirely on the up-and-up, I would just open a challenger/neo-bank account in 5 minutes from my home

Like I said, could be, but if I wanted to do something not entirely on the up-and-up, I would just open a challenger/neo-bank account in 5 minutes from my home and do it in there. Not somewhere where they have proof of everything I have and do which I need to refresh every year.