I am not a lawyer and cannot provide legal advice. However, I attended a conference where a wise lawyer pointed out that the purpose of an LLC or corporation is to protect personal assets from liability. A sole-owner who constantly blurs the lines between business and personal assets similarly weakens the walls that separate personal assets from business assets. Also, the business' creditors may decide to sue the bank for allowing "conversion" of business funds to personal funds if the sole member/stockholder is dishonest and misappropriates business funds.
Bottom line, I don't care whether Randy's answer is well received or not, I'm not putting my bank at risk and you customer should be thanking you for not putting their personal assets at risk.
_________________________
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
www.tcaregs.com