I believe that having a good relationship with the bank manager and tellers is important, but one can't stretch this too far. I know of one particular case where customer had a great relationship with his local bank for 8 years and then he decided to deposit not just personal checks but also MOs starting from $1K then increased up to $12K per month average. Months later, he received a certified letter informing him that the bank decided to close his account effective close of business hours of X date. He was advised to withdraw his remaining balance at any of the branches on or before closure date. He went to the bank manager to ask the reason for closure and was told it was strictly a decision that came from Risk Management Dept. and he had no power to override it.
therefore, it remains to be seen that once an account is scrutinized by RMD, the best relationship with bank staff will not shield them from a shutdown. It's all about protecting the bank's interest, nothing personal.
there will always be risks involved, inspite of having good relationship with the FI.