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A random thing that will probably help someone out eventually: Should you ever have the occasion to e.g. sell a company or have your startup equity become liquid, call your bank (or chat up a new bank) *in advance*, and ask "If I were to bring in new money, what's your offer?"
(Might want to math it out since in a high-interest rate environment it sort of matters whether they'll allow you to keep it in a securities account or force you to keep it in checking/savings, but presumably you didn't get this far in life by not reading relevant documentation.)
"What is the economic reason this exists?" Marketers gonna market and sales reps gonna sales rep. The bank assumes its people are going out into the economy every day and fighting other banks for deposits. Institutionally, it thinks you're "moving" to it from somewhere else.
"Will the bank sales rep be annoyed that I took 15 seconds of their time to ask this question?" You just earned them a commission. The bank is paying them for ~exactly the same reason they are paying you. ("Good job on convincing more rich people to bank with us! Keep at it!")
Incidentally, this is just a only-slightly-more-bespoke version of the mailers that go to many middle class neighborhoods saying "Dear Neighbor, Open an account at Friendly Local Branch of Megabank and set up direct deposit. We will pay you $200."