How does this sound: For this one, as a customer, you have to keep receipts so that it is easy to show them when they ask for it and avoid the punishments. And the banks are just trying to protect themselves from higher authorities. As for the customers, no bank will tell them before hand about this and which is why they must continue to educate themselves on this thing as it is the customers that will bear the punishment for their lack of knowledge and not the banks.