I’d also be interested in such a thing, and for a brief period there was a “bank” (licensed EMI) that satisfied all those requirements:
I believe the subtext of this article is that the EMI sector (including the 2 EMIs you mentioned) is becoming verboten to USA based clients. But that was also declared before N26 tried to move into the USA market so I’d start by looking for other companies doing the same.
For instance CurrencyFair (though not a bank), an Irish company which recently merged with another more global one, was recently licensed in all 50 states.
There are other forums (which I think it’s against the rules to mention here) which cater to “overseas” business propositions where you can find your question asked literally with a few more tenative answers.
For the record the good news is that you’re only strictly required to file an FBAR if you have at least $10K equivalent in all non-USA accounts… though people with some tax profiles may be asked to file it “no matter what” on some other tax form.