Bank asking for source of funds, invoices, or an explanation of your transactions?
Know what story your documents need to support before you send them. Send the right package once, instead of "more and more documentation." A confidential 2-minute case assessment. No cost, no obligation.
Start My Free Case AssessmentSeven questions. A Bank Right specialist reviews your answers within one business day.
- Confidential case assessment
- Source-of-funds and KYC requests
- Transaction activity analysis
- Documentation gap review
- Independent analysts, not a law firm
Why a document request is good news
If the bank is asking, the relationship is still open. The bank has told you what it is concerned about, and you have a window to answer it properly.
Most owners waste that window. They send everything they have, or exactly what was listed and nothing that explains it, and the questions keep coming.
The free assessment tells you whether your request looks routine or serious, and whether a review would change what you send.
"I sent everything. What else could they possibly want?"
How a business account review actually unfolds, in two minutes.
The email has a deadline. It lists transactions you barely remember. It uses words like "source of funds," "business verification," "enhanced due diligence." You gathered what you could, sent it, and either heard nothing or got a second list that was longer than the first.
Here is what is actually being asked, underneath the compliance language: does the paperwork explain the pattern? Not each transaction. The pattern. A compliance analyst is trying to reconcile what your account does with what the bank has on file about your business. Your invoices answer transactions. Nobody has told you what the pattern looks like.
Your bank is comparing a pattern to a profile. Your documents need to explain the gap.
When you opened the account, the bank recorded a picture of your business: what it does, how much moves through it, who it pays, who pays it, whether money crosses borders. Then the business grew. New clients, a second entity, overseas contractors, a new processor, bigger volume. Every transaction was legitimate, but the gap between the business on file and the business in the account kept widening until the activity stood out.
We call this Profile Drift, and a document request is usually the bank's attempt to close that gap. The request looks like it is about specific deposits. It is really about whether the business the bank thinks you are can plausibly produce the activity it is seeing.
That changes what a good response looks like. It is not a pile of invoices. It is the specific records, in a specific order, with a plain-language explanation that lets the analyst update the profile and close the file. It is also not the only reason a bank asks. A single flagged counterparty or a large one-time deposit can trigger a routine request, and if that is your situation, we will say so.
One more thing that changed recently: as of September 2026, federal regulators have clarified that banks may tell customers when a restriction relates to suspected suspicious activity and may ask about source of funds. If your bank has told you that much, take it seriously. It is also the most specific information you are going to get, and it makes the review more precise.
The three ways a document response goes wrong
Too little
Exactly what was listed, nothing that connects it. The analyst still cannot reconcile the activity with the profile, so a second request follows, usually longer.
Too much
Every document you have, including ones that raise questions the bank had not asked yet. Unrequested material gets read too, and it is all on file.
The wrong story
Documents that are individually accurate but describe a business different from the one on the account. The gap gets wider, not narrower.
Know what the packet needs to show before you send it
We look at your activity the way the analyst will, identify what the request is really about, and line up the documentation that makes the real business make sense.
Read the request against the activity
We map the transactions the bank listed, and the ones it did not, against 3 to 12 months of statements to see what pattern the request is pointing at.
Map the profile against the reality
What the bank most likely has on file about your business, next to what the account actually does today, and where the two have separated.
Identify the documentation gaps
For each item that may stand out: what legitimate record explains it, whether you already have it, and what to do if you do not.
Prepare the response
A documentation checklist, a plain-language description of your activity for your review to include, and the questions an analyst may reasonably ask next. You send it. We do not contact your bank.
What Bank Right can and cannot do
What we do
- Show what the request is most likely about, with the transactions behind it
- Identify which records explain the activity and which gaps remain
- Prepare a plain-language activity description for your response
- Prepare you for the questions a compliance analyst may reasonably ask next
- Give you a written analysis you can share with your attorney or CPA
What we do not do
- Guarantee the bank will accept your response or close the review
- Contact the bank or submit anything on your behalf
- Create or alter records. Only real documentation, or none
- Tell you the exact reason. Only the bank sees its own file
- Provide legal representation or legal advice
What to do, and not do, when the bank asks for documents
General guidance, not legal advice. Every case is different.
Do
- Read the request twice and list exactly what was asked, item by item.
- Answer every item completely, in one organized package, with a short cover note.
- Ask for a written extension if the deadline is unrealistic. Ask early.
- Keep your explanation of the business consistent with what the statements show.
- Keep a copy of everything you send and the date you sent it.
Do not
- Send documents or explanations the bank did not request.
- Miss the deadline and assume silence means it is fine.
- Describe your business differently than you did when you opened the account without explaining what changed.
- Move funds around while the request is open.
- Get defensive in writing. The tone goes in the file with the documents.
From free assessment to a response you are confident in
Answer seven questions
What the bank asked for, business or personal, how much is involved, and whether any legal action is involved. About two minutes.
A specialist reviews your case
Within one business day, a Bank Right specialist tells you whether the request looks routine or serious, and whether a review would change what you send.
A short case call
10 to 15 minutes to see the request, understand your deadline, and confirm scope and price before you decide anything.
Bank Account Risk Review
- Up to 3 months of statements and the bank's request reviewed together
- Transaction risk analysis and source-of-funds review
- Potential trigger analysis: what the request is most likely about
- Documentation gap checklist and activity description for your response
- Written report and a 30-minute review call
Tight deadline?
Tell the specialist on the case call. Once we have complete statements, the written report is delivered within 5 business days, and we will say honestly whether we can move faster for a bank deadline.
Requests covering multiple accounts, multiple entities, or up to 12 months of activity are quoted after the call. Comprehensive reviews start at $2,495.
Nothing is charged for the assessment or the case call. You will know the exact scope and price before any work begins.
Frequently asked questions
Do you write the response to the bank for me?
We prepare the analysis, the documentation checklist, and a plain-language description of your activity that you can include in your response. You review it, you send it, and it goes out under your name. We do not contact the bank or submit anything on your behalf.
Will this get the review closed?
Nobody can promise that, and we do not. What we can do is make sure the package you send answers the question the bank is actually asking, completely and once, which is the best position you can be in. The decision remains the bank's.
The bank only asked about two deposits. Do I really need a full review?
Maybe not, and the free assessment is designed to tell you. A single large deposit with a clean paper trail is often a routine request you can answer yourself. A request that lists several transactions across months, or asks you to describe your business and expected activity, is usually about the pattern, and that is where a review earns its cost.
What if I do not have the documents they want?
That is common, and it is exactly what the documentation gap analysis is for. We identify what legitimate records could substitute, what a truthful explanation looks like where no record exists, and what you should never do, which is create something after the fact.
Is my information confidential?
Yes. Your answers and any documents you share are used only to assess and analyze your case. We do not sell leads, we do not share your information with banks, and we do not contact your bank. See our privacy policy.
Should I just hire a lawyer?
If the request came with a legal order, or the bank has mentioned law enforcement, yes, an attorney first. For a compliance request, many attorneys are glad to have a Bank Right report before they engage, and many owners find they do not need counsel for a document request that is answered well the first time.
Send the bank what it actually needs, once
Seven questions. Two minutes. A straight answer about whether your request is routine or serious, and whether a review would change what you send.
Start My Free Case AssessmentConfidential. No cost. No obligation.