They're more creative in thinking of ways to open the account while mitigating any risks of fraudulent activity.Both say I must be present for them to open an account.What is the most expedient way to open a local business account for my local LLC?

You might say crypto or the next google and I would tell you your gambling.  

@Nathan Gesner we saw a sharp increase in fraudulent applications during COVID.INCOME: fake paystubs & W-2s---We've always required a bank statement, so we could corss-reference income as most employers now diret deposit. 

It is a bit of a gamble, but personally, I always get my own bids from people I will hire and either take a credit on price or have title issue the checks directly to those contractors to get work done as soon as I close.  

The process of identifying a quality applicant is extremely difficult now with the amount of fraudulent paystubs, bank statements and IDs.

I expose myself to other stuff for the sake of a natural curiosity and to gamble a little.  

Best part, their client was self-employed and submitted fraudulent tax returns (yes, we proved the fraud with an IRS Form 4506).Even though ALL PMCs were slammed in this post, we're not going to slam all agents.

I feel like these large luxury buildings are a gamble in many ways.

Of course I don't believe that, and the bigger problem for me know is the loan and if I could get part of the money I spent on this fraudulent people.

Its a gamble, and the quality of these types of things vary, so we'll see.