Banking works as a store of money and money mover until they decide what you are doing is outside the normal course for their average account holder.

After that you very rapidly get educated on the fact that money within a bank is not your money - it’s the banks money and they are not afraid to more or less tell you that outright.

There is very little recourse once you hit some internal KYC/AML or other “non-desirable” entity flags so it’s best to establish relationship banking prior to ever getting close to those (hidden and secret) thresholds. Even having multiple accounts at different banks isn’t much protection since they seemingly by law or regulation share these databases with each other. You will likely never make it off such a list if you get added to one.

For me at least that’s all private banking or even banking beyond a checking and savings account is. It’s paid insurance for continued access to the financial system.