I switched from 12 years on non-O retirement visa/extension to DTV. Impeccable banking history. Never once used an agent to carry out dodgy transactions.
The new restrictions only came in May this year. A few years ago you could open a bank account with a free entry stamp. I can't see it going back to how it was. CRS has changed the banking landscape
It's all tourist visas, and even those on non-O 90-day visas are finding it hard. It seems banks want to see a 365-day visa or extension in your passport