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• 昭和のおとっつぁん
• 2023/11/10 (Fri) 07:02
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CHASE is ？.

• 昭和のおとっつぁん
• 2023/11/10 (Fri) 09:07
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3
I would appreciate it if you could tell me. So CHASE is ？

• ウマシカレイラ911
• 2023/11/10 (Fri) 10:03
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Bank of Mitsubishi UFJ

Bank of Mitsubishi UFJ1 ： "Global Direct" service is available for overseas residents. You can Wire Transfer to Japan online and use a one-time password card to authenticate your identity. Although fees for overseas wire transfers are high, opening an account is easy with the application.

Sumitomo Mitsui Banking Corporation2 ： SMBC Direct ・ Global Service" service is available for overseas residents. In addition to being able to Wire Transfer to Japan online, you can authenticate your identity by registering your personal number. Fees for overseas wire transfers are relatively low, but you need to go through a procedure in Japan to open an account. Sony Bank3 ： This is the only online bank that allows overseas residents to maintain an account. In addition to being able to Wire Transfer to Japan online, you can also register a person who will be your contact person in Japan to authenticate your identity. You need to be screened and have your personal number to send money overseas, but fees are inexpensive. You can open an account online.
We hope this helps.
Relying on this place is not the answer.

• Hideo117
• 2023/11/10 (Fri) 18:39
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Thank you for your reply.
I have heard that Chase is a cold bank to non-residents along with BOA, do you know if the above two points are possible with Chase ？
Thank you for sharing three banks. I will check the rest here, but they all appear to be able to provide the services of a Japanese bank for US residents.
I am looking for a bank that allows me to receive services from an American bank while in Japan, for example, I would like to be able to receive my 401K in the future from Japan. I am still looking for an American bank that I can use even if I don't live in the US, since I know that some Americans may live outside the US for a few years.

• 難波のおとっつぁん
• 2023/11/10 (Fri) 19:16
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If you are an expatriate, you don't need to cancel your US bank account every time you are abroad because it's temporary. Even a cell phone used in the US can be used abroad.

• 腰イタイ(>_<)
• 2023/11/10 (Fri) 19:35
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After returning to Japan, I left my Chase and other accounts, but I use wise to send money to Japan.

• Hideo117
• 2023/11/11 (Sat) 17:15
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When you send money to Japan with Wise, do you transfer the money from your bank account in the US to Wise via Wire Transfer ？ or does Wise debit the money from your bank account ？ If the former, I think you need your cell phone for identification when you Wire Transfer. I think you will need your cell phone for identification when you do a Wire Transfer. ..... Thank you very much for your time.

• SJDummy
• mail
• 2023/11/11 (Sat) 22:47
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I have been using Citibank for many years. When I lived in Japan, I registered my U.S. contact information (mailing address), but practically everything was done online. I chose the automated voice service. I had to get a US number from a site called sonetel.com （ and spend a few dollars ／ a month ） to forward voice calls from this number to a landline in Japan. I was able to forward voice calls over the Internet without any problem. By clearing 2-step verification in this way, I was able to trade online with Citibank/Fidelity Investment （ including International Wire ）.
In addition, since the bank's dollar-yen conversion fee is ridiculously high when transferring money from the US to Japan in yen, I opened a dollar deposit account in Japan （ at Mitsubishi UFJ Bank ） and transferred money from the US to that dollar account in dollars. In that case, the dollar-Yen exchange is at the dollar account conversion rate, so there is a small fee. The commission for this method is about the same as when I used Wise, or maybe even less.
In my personal opinion, Citibank and Fidelity Investment seem to be friendly to overseas residents. Both institutions registered their official address in Japan and gave their Mailing Address in the US.
That is all for your reference.

• SJDummy
• mail
• 2023/11/11 (Sat) 23:10
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One more point I just remembered, if you have a US cell phone in Japan, you can use "Wifi Calling" to receive SMS messages sent to US numbers without having to use overseas roaming. I use Spectrum Mobile and Tello, both of which support Wifi Calling. When I go to Japan, if I am in Airplane Mode and in a Wifi environment, I can receive SMS messages sent in the US on that phone.

• Hideo117
• 2023/11/12 (Sun) 14:25
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Thank you very much. That was very helpful, maybe Citibank is more friendly to expatriates, BOA refused to change to an overseas address. I heard that there are services such as Nextplus that allow you to get a US phone number and receive SMS, but I read somewhere that BOA checks the number when you register and refuses to allow you to register for services that can be easily signed up from abroad. I'll try it, but I don't know if it's possible to get a phone number from sonetel. I'll give it a try, but I think sonetel.com will accept Citibank, but BOA may reject it. I heard that if you want to have an American cell phone abroad, google fi is a good choice.

• SJDummy
• mail
• 2023/11/12 (Sun) 15:17
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The phone number you get from sonetel.com is a regular US number, so it will not be checked by Citibank. In any case, if you are currently in the U.S., you may want to get them set up now, as it takes at least 1 ～ 2 weeks after updating your information for the 2-step verification phone number to take effect.

• Hideo117
• 2023/11/12 (Sun) 17:08
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They can instantly find out to which carrier a US phone number is assigned. And BOA says
Supported Carriers include: Alltel, AT&T, Cellular One, T-Mobile, Virgin Mobile, U.S. Cellular ® , Verizon Wireless. so they are saying that Nextpulus is no good. By the way, google fi as I mentioned earlier is an MVNO of T-Mobile, so it is OK.
I used to have a Citi account, but when I stopped using it for some reason, I was told to close it sooner than expected (about 2 years ？ ） "If you don't use it, I will close your account", and I made the mistake of leaving it alone at that time because it was too much trouble.

• 腰イタイ(>_<)
• 2023/11/12 (Sun) 19:15
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I opened a multi-currency account with Wise, connected to Chase and other accounts, and withdraw via ACH （ $ with a 50K/24h limit ）. I think it would be better to compare the two accounts, depending on the amount, wire may have lower fees, but wire also has fees on the US account side, so I think it would be a good idea to include that in the comparison. Identity verification can be done with a photo ID （ my number card, Japanese driver's license, passport, etc. ） at the time of opening an account, and can be done with the application. You can convert to yen at the real rate in real time, and you can keep up to 1,000,000 yen in USD or JPY in your Wise Account and use your debit card to make payments or ATM withdrawals, and you can keep your balance of over 1,000,000 yen for 30 days. > Wise is easy to use for me personally because I can transfer up to 1,000,000 yen at a time ） with no limit on the number of times I can transfer.

• 腰イタイ(>_<)
• 2023/11/12 (Sun) 19:18
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If you want to wire directly from your US account to your Japanese account, why don't you inquire at USBank if it is possible to do so under your desired conditions? I still have an account with Union Bank → USBank, but I use wise as well as ↑ because of the complicated procedure for money transfer.

• BOA
• 2023/11/13 (Mon) 14:22
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#14 ＞ BOA refused to change to an overseas address.

My friend is using BOA's account with a Japanese address. I wonder how it is in the U.S., because different people in charge say different things ？.

• Hideo117
• 2023/11/14 (Tue) 16:40
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Thanks for all the information, Wise, I will look into USBank, and I will ask BOA again.