International Trade Banks are banks set up and set aside to serve living people. Commercial banks are set up to serve corporations, and specifically, incorporated businesses.

However, there are two kinds of corporations --- and therein lies both the lynchpin and the rub and the solution to this problem.

We can have a business that is corporate (a Lawful Person) which is not incorporated (a Legal Person).

Think of it as a spectrum: unincorporated, corporate, incorporated.

International Trade Banks serve unincorporated and corporate entities. Commercial Banks serve corporate and incorporated entities.
See the overlap?

Corporate entities can use the services of either kind of bank, which means that the ideal business structure is to be corporate, but unincorporated --- unless, of course, your particular business is one of the relatively few that need bankruptcy protection.

So what do we mean by "corporate but not incorporated"?

Most Mom and Pop business enterprises are corporate, but not formally incorporated.

They have a business name, like "Joe's Hamburger Shop"---which means that they are an entity separate from Joe, the Owner, but they are not registered with any State of State organization, and they don't have a Board of Directors, they don't have a President, Secretary, and Treasurer, they don't have regulatory reporting requirements, and they are, generally speaking, just normal small businesses providing goods and services to their communities.

Such businesses are Lawful Persons, standing under the Public Law.
Clearing the Bank Hurdle - The Basics: Corporate Overview — by Anna Von Reitz