Last year I worked in Switzerland for 6 months and (of course) bought health insurance, which I paid for from the bank account I opened there. I didn't make it clear to my insurance company that I only needed the 6 months' coverage, so they continued to withdraw payments from my account every six months until I closed the account recently (so twice). I didn't know about the withdrawals because Credit Suisse requires text authentication to view the account online and of course I cancelled my hideously expensive Swiss mobile service the moment I left the country, so I didn't have that phone number anymore. I should have closed the account as well, but I procrastinated--stupid mistake.
Anyway, the health insurance company has agreed to refund the two payments I didn't mean to make, but they can only refund them to a Swiss bank account. That's the back story.
I've looked it up online and the swissbanking(.org) FAQ says this:
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In accordance with the Due Diligence Agreement (CDB 08), the bank verifies the identity of the contracting partner by obtaining a certified copy of an official identification document (passport, identity card, etc.). The certified copy may be provided by a branch, representative office or group company of the bank; by a correspondent bank; by a financial intermediary specifically appointed by the bank; or by a notary public or public office that customarily issues such authentications.
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I understand the part about "a branch" (so if Credit Suisse had a location here, I'd be golden, I guess?) but I don't know which banks could do this for me in general. My US bank accounts are with USAA and NFCU, which don't have locations in Switzerland. I looked at HSBC, which does have locations in both the US and Switzerland, but I live in Montana and the closest branch is in Washington. Have any of you ever opened a bank account in Switzerland from abroad? I'm really at a loss for what to do here. Thanks for your help!