How does your bank know you are not in the US? Time to change your bank. I live overseas and have no problems with my bank accounts in the US. HSBC even has my overseas address as my mailing address. I do all my banking online. I've lived overseas since 2004 and had no problems.

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I agree with MissDaisy. The normal problem people have is in TRYING to become 'non-resident for tax purposes'. Why your bank wants to close your accounts is a mystery to me.

Are your accounts with one of the many small banks that exist perhaps? I can see some of them not being comfortable with someone who doesn't hang around home a lot.

In any case, if you intend to spend a lot of time outside of the US, who you bank with and who's cards you use to access your funds becomes very important. You want cards that charge you 0% on exchange. Many charge 1-3% exchange loading which they normally refer to as 'foreign transaction fees' which is nonsense. If possible you also want cards that are 'Chip and Pin' which is not to be confused with 'Chip and Signature'. The US lags behind the rest of the world when it comes to that and it can cause the traveller from the US some problems from time to time.

https://www.nerdwallet.com/blog/top-credit-cards/no-foreign-transaction-fee-credit-card/

http://milecards.com/6084/3-full-chip-pin-credit-cards-with-no-fees/

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