Thanks for this article! You may want to update the info about BofA though. I have kept our BofA account when we moved to Europe 15 years ago. Recently, it has become harder and harder to work with. Last spring, I went through a Kafkaesque series of steps and ended up asking a US friend to temporarily enter his phone number and mailing address. BofA can only send 2FA text messages to US phone numbers, and they no longer allow foreign addresses as the primary address. We therefore had to have our new ATM card sent to our friend’s address. I’m quite frustrated with them, so I’ll use your article as a starting point when looking for a way out of this.