Disclaimer: The materials provided below are informational and should not be relied upon as legal advice.
You need to provide additional information to clarify your question. Generally, you are correct that a business entity (e.g. corporation, LLC, LLP) that has lost its good standing with the California Secretary of State loses its privilege to conduct business in California. Be sure to consult your own attorney to protect your legal rights.
As a general rule you are correct. Most banks will verify the "goodstanding" (non-suspension) of a corporation prior to opening an account.
The above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here.
The bank will likely not check into whether your entity has been suspended. They will only verify the info that they are required to. If you operate the business, the principals can be held accountable not the bank.
I am not certain how the Patriot Act matters here, but if you have some concerns that are not clear from your posting you should certainly consult a lawyer in private.
Most of us here, including myself, offer a free phone consult.
The law firm of Natoli-Lapin, LLC (Home of Lantern Legal Services) offers our flat-rate legal services in the areas of business law and intellectual property to entrepreneurs, small-to-medium size businesses, independent inventors and artists across the nation and abroad. Feel free to call for a free phone consultation; your inquiries are always welcome: CONTACT: 866-871-8655 Support@LanternLegal.com DISCLAIMER: this is not intended to be specific legal advice and should not be relied upon as such. No attorney-client relationship is formed on the basis of this posting.