Today I’ve come across a fintech named “Utoppia” (yes, with a double ‘p’: www.utoppia.com ). They offer a US-based USD account to non-US residents (for now only in Argentina, Brazil, Colombia and Mexico, but they promise in 30 countries “soon”). The passport, checked online, is the only document required. No opening or maintenance fees, free ACH transfers in and out, free domestic wires in (not out), USD 30 for international wires in and 32 out. Free Mastercard debit card (plastic or virtual). There is no minimum balance, but after six months of balance below $500 they will charge $6 per month as inactivity fee.
They claim FDIC protection up to $250,000, as the actual banking services are provided by Evolve Bank (which also works with Wise) and Trust and Lineage Bank, members FDIC, but I’m not 100% sure that the $250K limit applies to each individual client account and not to a consolidated account held by Utoppia with those banks.
They also claim to handle crypto, using as underlying provider Wyre Payments, Inc.
A detailed FAQ is at https://utoppia.com/faqs.html
As usual, caveat emptor.