@khaslett Most BaaS banks require multiyear contracts/financial commitments so it's not wild to express concerns about sudden bank changes. However, it still isn't wise to start any (bank) relationship with such positioning. Learn the bank and what their needs/desires are.
@AlexH_Johnson Silly indeed (assuming you aren't privy to said stealth building activities). That message should validate your efforts and ongoing analysis of the landscape.
@waltrcox Seen that customer really wants/needs one of the services but wants you to also take care of the other at the same time. (even if the latter is less lucrative)