I don&#x27;t live in the USA so I don&#x27;t know, but it seems likely that the requirement for that classification probably came from the government. The bank isn&#x27;t spontaneously going to reclassify your account for no reason.<p>A personal account could be used to launder money, so if personal accounts are exempt, that&#x27;s obviously what money launderers will use. If you&#x27;re going to look for suspicious account activity, you can&#x27;t go by the &quot;static type&quot; of the account but by &quot;how it quacks&quot;, so to speak.