Agreed, but in the states now you can open accounts virtually (with some retails as well as internet/EMI banks) if you live in the US. Not as widespread as other parts of the world yet but you definitely can. One important thing to note, if you show large balances during due diligence, they are a lot nicer to you. ha ha ha. When asked, always stick to addresses etc as it appears on your bank statement. People can have multiple homes but use the US for your primary address in those types of instances is always best.