Hmmmm. Annual review. We perform an annual review to see if they have been respecting account agreements, etc. and that there are no strange trans.going through their accounts, no change in ownership. All of this from docs. on hand. i am uncomfortable going to a legacy account customer, with only a DDA, and start asking for questions about their sales vol...is anyone using some rule of thumb approach. For example, take deposits to the account over 3 months, take lottery related ACH trans., see what % these are for total deposits and, well, you see where I want to go. See anything wrong with that?