It should also be noted that government does not seem to know how to deal with privacy oriented coins ( ref#1 - discussion of current regime for crypto as seen by US AG ). That said, they seem to suggest ( page 41 ) that using Monero is inherently risky and prone to illicit activity and businesses allowing its use "should consider the increased risks". Knowing how banks read those types of documents, you can safely bet banks will simply refuse to bank anyone if there is even a whiff of transaction with Monero, Zcash, Dash.

Ref#1:https://www.justice.gov/ag/page/file/1326061/download

edit: Disclaimer. Do not be an idiot. I am just a guy on the internet. If in doubt, hire an actual lawyer.