Sounds like a old fellow I knew years ago, dressed like a bum and rode around on a raggedy old Harley knucklehead. Nobody took him seriously, richest guy in town.I personally saw this happen to a friend of mine. He went into the bank, they were less than helpful. He closed his account. It was around 100k. This was in the 70’s.
The bank manager was not happy with the teller.
To be fair he dresses like a homeless person. Fun to go into a car dealership with him too.