For me, one way to do this is to pick a certain amount of time and decide I’m going to do focused practice for that length of time. Even better if I have concrete goals laid out for that time, such as “play the left hand to ‘Stompin’ at the Savoy’ successfully six times in a row.” When the time limit is up, I can happily jam around on whatever I want and let my mind wander whither it will.
In the case of Music Row banks, sometimes you can walk in with an offer letter or just a Billboard magazine showing your song is on the charts. If they’ve got an office on Music Row, odds are they have some experience. Regions and SunTrust bank both have a robust presence in the music industry. Call or stop in and tell them your situation, and be sure to ask for a representative who is familiar with the music industry.