The problem is that this only lets you get customers from accounts, and not vice-versa.
And if you add a Map<Customer, Set<Account>> to the Bank, you now have to ensure the mappings are synchronized at all times. Which, to be fair, is very straightforward as long as Bank is immutable, but still kind of annoying.
But considering how incredibly common many-to-many relationships are in business logic and especially in SQL, I'm constantly surprised that there isn't a de facto standard, efficient data structure to represent them. That speaks to how entrenched cyclic relationships are in software engineering, I suppose.