Whatever the case, my guess anon is that you are a smaller bank. A lot of people will try to get an account with a smaller or denovo bank because there is less sophistication, controls, and management and wanting desperately to grow. Most of the founding officers are LOAN officers with NO (read ZERO) operations experience. If you are new or small, lout of area depositors will test your systems.
(as a denovo) When someone asked to bring in a large account, and not from the neighborhood, we asked point blank why they would drive by 10 banks to get to us. Year 1 of operation, we had 4 accounts we did not open - within 18 months, 3 of the 4 were under indictment for money laundering and/or fraud/
Integrity. With it, nothing else matters. Without it, nothing else matters.