[jrz1972]

The issue is whether banks as a group can reasonably code and screen EFTs. If regulators decide that a coding system is too cumbersome, then nobody is going to be doing it. If a coding system *is* put in place, all banks will get getting the same info and will be screening out the same transactions.

It isn't going to matter whether your bank is large or small.

(By the way, I'm not sure why you think your traffic would be less noticable at a smaller bank. I have my poker money at a small local credit union, and I am 100% confident that the bank officers know what I use that account for).