Albatross
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Had the same problem initially with USAA. This situation makes a lot of work for them if someone on the account is not a US citizen or at least a Green Card holder. They have to have the non US person fill out a form called a W8BEN. And then they usually have to talk with the non US person, AND refresh the data every so often, maybe every couple of years. Rinky dink banks don't want the trouble...