Start carrying your wallet in your left pocket.
There's a few reasons...
1 is for the reason you mentioned. Crooked cops 'he was reaching for his gun'....... If you notify that you have a gun on your right, and reach to your right, there's gonna be a problem.
2 is actually a tactical thing... Let's say you're getting robbed, you can tell the guy 'OK OK, look, my wallet is in my left pocket OK,here's my hand, I'm just gonna slowly grab it ok, just my wallet' then human nature is to WATCH THE LEFT HAND GO TO THE WALLET....guess where my right hand is going? The one he's NOT paying attention to?
3 When I go pay for purchases, sometimes there is already uptight people around, including the cashier.... This includes banks or whatever.......I don't wanna appear to be reaching for my firearm at any cashier, bank window, etc etc.... same reason why you wouldn't want to keep your wallet inside your jacket when wearing a shoulder holster.