If you can have two identities (say, one shell Mary-Jane seller, and one profit-making landlord) then the bank would easily accept the landlord’s account. I doubt such structure are allowed, or would pass Federal scrutiny according to Colorado banks, otherwise, the problem would be solved already.

The other possibility is that this solution is obvious, but lobbying for bank accounts is part of making Mary-Jane a more acceptable trade.

A recent Planet Money podcast talked about this problem and the pot store owner in Colorado they interviewed had done more or less that. His store was owned by shell company that had a bank account, but he was unwilling to go into too much details on the exact legal setup. I got the feeling it was a bit of legal grey area and that the bank was happy with it only as long as they could honestly claim ignorance.