RiverRock is an illegal business in the United States, same as all other Colorado marijuana businesses which lack permission from federal authorities. Tomorrow morning, the US drug enforcement agency can go to Colorado and Washington and start making arrests and seizures. Only thing stopping them is in the current man in the white house. Banks won't openly accept marijuana businesses because they know such businesses are currently illegal.
We all need to get down off the ledge. The legalization experiment in Colorado is in its infancy - the outcome is yet to be determined.
Could the DEA storm in, yes. Will they? Only after the experiment has gone obviously wrong and the systems and controls put in place in Colorado are in a state of failure and are ineffective. RiverRock can exist today because the citizens of Colorado have chosen to legalize. And even though the Federal Law is still in place the US Federal Government is not going to cross that bridge and encroach on states rights.
Banks are being held by completely ridiculous standards and expectations of proof and traceability. Standards that do not exist for other highly cash based businesses. In the meantime the experiment needs to play out and prove itself. Once it proves to be efficient and proves the controls and process can be managed as designed, I can see where things will stabilize and banks will be able to do business with dispensaries like any other business.