The RDI (residential delivery indicator) is essentially USPS’ classification of whether the address is used for commercial or residential purposes. You can read more about the indicator here:
I haven’t seen any examples of banks using this indicator when validating addresses, but you never know what the future holds.
In other words, getting a non-CMRA address is the most important factor for banking purposes. Finding one where the RDI = Residential is a nice bit of potential future-proofing, however currently it doesn’t seem to be important. And it may never become something banks check for at all—after all there may be legitimate reasons for why someone is living in a commercial building (e.g. a hotel).
Keep in mind that even banks that let you change to a foreign address might give you issues or close your account if you do. I don’t think BofA or Chase would give you any issues, however others such as Schwab definitely will.