No, it compares this Chinese restaurant to the hundreds or thousands of other similar businesses who bank with it, in similar markets. No, the bank doesn't ask

No, it compares this Chinese restaurant to the hundreds or thousands of other similar businesses who bank with it, in similar markets. No, the bank doesn't ask for receipts or stake out businesses. If that business has a transaction profile that's out of line with the 'similar business' model, they potentially get flagged.