Banks really dislike when you don’t have a “permanent address” and this quickly becomes a sore point for expats, who also will have issues getting bank accounts

Banks really dislike when you don’t have a “permanent address” and this quickly becomes a sore point for expats, who also will have issues getting bank accounts abroad. If you try a PO Box, you’re just asking to have your account shut. If you use a virtual mailbox, they’ll catch you too when the mailbox address enters the databases of not-house addresses, probably run by chexsystems or the like. But banks do not care at all if you use your friends or relatives addresses!