If you're going with a brand name bank you'll have to jump through many more hoops than going through a small one. There are also boards out there that scammer

If you're going with a brand name bank you'll have to jump through many more hoops than going through a small one. There are also boards out there that scammers hang out on and share which banks currently have the easiest-to-circumvent systems. I'm not sure where they are anymore they tend to go up and down a lot and I haven't paid attention to any of this for a couple of years now. Some of these scams can be so profitable that the scammers literally buy small banks to make sure they don't get shut down and give great rates to people with legitimate business and high enough volume so that the blended rate between their legitimate customers and their scammy cash cow looks ok. They take a loss on the legitimate customers but the cash cow is a scam and almost pure profit so they still make a huge amount of money.