Depends on what exactly you mean by "bank," but for a real chartered US bank: https://www.federalreserve.gov/faqs/banking_12779.htm https://www.federalreserve.

Depends on what exactly you mean by "bank," but for a real chartered US bank: https://www.federalreserve.gov/faqs/banking_12779.htm https://www.federalreserve.gov/faqs/banking_12779.htm Realistically, the first part of the answer is "get an experienced lawyer."