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It's very difficult for a foreigner to open a US bank account. Some banks that operate in other countries that have affiliates in the US might be able to help you with most of your needs for US currency or credit cards or if you want to invest or take advantage of rates in the US, or otherwise have financial exposure to the US market; but very few banks, big or small, allow non-resident aliens to open standard checking and savings accounts any longer, sometimes even if the account is a joint account with a resident/citizen on the account with a social security number, due to Patriot Act/Know Your Customer/Customer Identification Procedures which were instituted and strengthened over the years to combat money-laundering. At a minimum, you need to be physically present, with a local physical address and be able to present appropriate forms of identification, and wait till everything clears.Here's a link that provides some options that you might think about. U.S. BANK ACCOUNT FOR FOREIGNERS Keep in mind that unless you are physically present it is extremely difficult to open an account in the US as a foreigner, resident or non-resident alien. And even then it could be a problem unless you have a social security number or tax ID. It's simply too expensive and typically outside of current policy for most banks. Some banks in locations that cater to a foreign or diplomat market - such as banks in the DC area or possibly some banks along the borders in Mexico and Canada (like Frost Bank, in Texas; and TD Bank/TD Canada Trust and RBC Bank might provide some cross-border banking services.)Banks that used to provide this service in the ordinary course of business have been hit with literally billions of dollars of expenses from regulators, related to improving their anti-money laundering processes and including punitive fines. HSBC just got hit with a $1.9 BILLION dollar penalty. HSBC money-laundering fine: key players So, you could also try non-US banks with big US subsidiaries: like BP Paribas, in France; they own Bank of the West in the United States. Union Bank, also, is wholly owned by Mitsubishi, if you were in Japan or banking with another bank owned by Mitsubishi. (although Union has spent hundreds of millions of dollars dealing with its anti-money-laundering issues over the past several years, so they might not be interested).

I have 2 business accounts1 representative payee account1 business savings1 personal checking1 credit card1 business loan2 retired business loans ( paid off early )They have always been easy to work with and helpful. There are some small local banks that offer better more personalized service ( Frost Bank ) but for a nationwide mega bank BofA is good for me.

The question is confusing multiple things. There are three products involved: Apple Wallet, Apple Pay, and Apple Card. The first two have been available on the iPhone and in use for quite a while. The new product is Apple Card, which will arrive this summer.Apple WalletThe Wallet application is automatically installed on every iPhone. It allows users to store electronic versions of a variety of cards including loyalty cards, gift cards, boarding passes, movie tickets, debit cards, and credit cards.Apple PayApple Pay allows users to connect their debit cards and credit cards, via an NFC (near field communication) antenna to point of sale devices at businesses. It also provided an Apple Pay Cash feature that enabled users to transfer money back and forth to each other. That money would be stored on a virtual card in the Wallet app and could be used as an additional payment source for Apple Pay.Apple CardApple Card is a credit card. It is provided by Apple via the bank Goldman-Sachs. The virtual version of the card will exist within Apple Wallet and can be used to make purchases via Apple Pay. Apple will also provide a physical version of the card, made out of Titanium, that will have no number embossed upon it, but will have a standard credit card chip. The card is a Mastercard and can be used in any credit card reader that supports Mastercard.While Wallet does support location triggers - e.g. a stored movie ticket will automatically pop up when the user enters the movie theater, I am not aware of it being used to automatically change the default payment card. It is easy to manually swipe back and forth between different payment cards, however.