This is all a psychology game and it works better if you understand their psychology. Banks do not care. They don’t want you to make them care. It is also true

This is all a psychology game and it works better if you understand their psychology. Banks do not care. They don’t want you to make them care. It is also true that they employ compliance officers whose job is to care and be skittish. So don't say drugs, terrorist financing or poorly understood things like crypto. Make up anything else such as you are filling up a pool to swim around in it like Scrooge McDuck. For more leniency, use a bank that took a “criminal non prosecution agreement”, like Wells Fargo, where they remember that Compliance Officers are at-will employees too.