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Old 10.05.2016, 19:44
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Retaining a US bank and CC's while living in CH

Hi guys,

I'm a US cit. living in CH for 4.5 years now. Due to life things happening, it's becoming cumbersome to have a US address for our US related financial stuff (BoA and CC's). we'd like to change all of our addresses to our Swiss address so this brings up some questions...

Will the US CC's want to drop us because we are no longer a resident of the US?
Will my credit score technically be on a pause unless we move back?
Unforeseen concerns that may arise.

One of the factors too was we received a couple of estate checks and am reluctant to mail-in deposit because they have not just my name, but our Swiss address printed on them. I can just see some kind of delay on deposit because of this.

The accounts we have are a Bank of America normal savings/checking accounts (+CC) and Chase CC.

Has anyone else reading this done this? Any input? Thanks in advance.

-Dk
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Old 10.05.2016, 21:12
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Re: Retaining a US bank and CC's while living in CH

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Hi guys,

I'm a US cit. living in CH for 4.5 years now. Due to life things happening, it's becoming cumbersome to have a US address for our US related financial stuff (BoA and CC's). we'd like to change all of our addresses to our Swiss address so this brings up some questions...

Will the US CC's want to drop us because we are no longer a resident of the US?
Will my credit score technically be on a pause unless we move back?
Unforeseen concerns that may arise.

One of the factors too was we received a couple of estate checks and am reluctant to mail-in deposit because they have not just my name, but our Swiss address printed on them. I can just see some kind of delay on deposit because of this.

The accounts we have are a Bank of America normal savings/checking accounts (+CC) and Chase CC.

Has anyone else reading this done this? Any input? Thanks in advance.

-Dk
I don't think a US Bank will care, I deposited US cheques in April by taking a photo of the cheque & depositing it online. Sending by post is so old fashioned & unnecessary.
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Old 10.05.2016, 23:26
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Re: Retaining a US bank and CC's while living in CH

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I don't think a US Bank will care, I deposited US cheques in April by taking a photo of the cheque & depositing it online. Sending by post is so old fashioned & unnecessary.
Me too. BoA mobile app.
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Old 11.05.2016, 12:29
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Re: Retaining a US bank and CC's while living in CH

Me three. The only hiccup is if the deposit is large - mobile app has a relatively low limit for deposits. Besides the mobile deposit, I also switched my BofA account to no paper communication - digital only. So no need to worry about the Swiss address and receiving mail.
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Old 11.05.2016, 14:22
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Re: Retaining a US bank and CC's while living in CH

My mobile app for CapitalOne won't work because I am in Europe. It isn't a big deal as I can still take the photo, transfer to my laptop, and upload to CapitalOne that way.
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