I had a $10K CD at this bank (that was one of their conditions for allowing me to have the account) and I had started keeping a $10K+ balance in a very low/no interest checking account.

The next bank I tried, after a week or so closed my account, and the compliance officer called me and told me that when they closed my account they'd send me a check, and if any of the MO's bounced I'd have to make up the difference (huh?) and if I didn't make up the difference quickly they'd file a police report. I felt like I was speaking Russian with a Nigerian accent. They could only see me as a possible/likely scammer.

I have opened 4 checking accounts so far and am starting each with a small amount of cash and then a $1K money order. It will take me a few weeks but I'm going to link them up with my regular bank account (actually it's with a large national brokerage) and EFT money into each one each month and use it to pay some of my bills, then once that looks kinda normal, start ramping up the MO's slowly. Also I'm using MO's to pay some of the credit card bills directly, without going over-the-top in any of those.