Love how I get down votes for the truth. If your bank refuses for any reason to give you access to your account you probably lose your job, your apartment, loans ...it will ruin your life for good. Happens to lot of people, its no mystery. In Western Europe you can't even have a normal average legal life without a bank account, that is why they had to introduce laws to force the banks to give everybody an account, because before banks often refused to do so and then peopl where stuck and their situation spiraled down the drain.