I don't think they want that battle....if a bank said, "no because I said so", people would start to realize they're really not in control of their money, which is largely why cryptocurrency exists in the first place. Personally, I would close my account with that bank immediately.

I can accept the terms & conditions if I'm borrowing their money - your house, your rules, and that's fine; but they're be poking the bear when they start telling people what they can and can't do with their own money.