hi meredith - I work in financial services compliance - I did work for a very large UK bank, also in compliance for a while - so you may be close ;0) - we're watching you!!!! lol
Thing is, banks are staffed by real people, if you are not a student at the moment, but will be soon, you need to be honest with them and I am sure that they will be understanding with you. Like most people, they only feel annoyed when they think someone is trying to pull the wool over their eyes. Not that I am suggesting that you are anything of the sort!