Opening a HYSA being a non-resident alien on F1 STEM OPT
I am currently on F1 STEM OPT (non-resident alien) and am looking for bank options to open an HYSA. I plan to relocate back to India once I finish my STEM and hence am looking for banks that I can open an HYSA in right now and maintain the account even after moving outside the US.
I talked with Capital One and Amex's customer care a few times. Some say that just having an SSN and a US address on file should be sufficient to maintain and operate the HYSA internationally. However, some said that non-resident aliens cannot open an HYSA with Capital One or Amex.
- Capital One: Their FAQ says that "You must be a United States citizen or lawful permanent resident with a U.S. physical address located in one of the 50 United States or Washington, D.C., or with military addresses (APO or FPO).".
- Amex: I couldn't find anything concrete on their website.
Any suggestions on bank/institutions that will let me open a HYSA now and maintain and operate it once I move outside the US?
I do plan on keeping my US phone number active and can provide a trusted friends' address if it is at all needed.
Edit: I already have an HYSA with Marcus and they don't support transactions from outside the US. Hence I'm looking for banks that will let me operate the account while being outside the US. I plan to keep a US checking account active, so transactions will be domestic (but just being done from outside the US). If there are no good options, how does the idea of moving the money to money market funds sound?
