Good luck retrieving funds. I think most people erroneously blame the banks. I had a really good bank once called Jyske. Damn good service. One day, i get a call saying they need to close my account and could i please move my funds within 3 months. When i asked why, they said that the sheer amount of bureaucracy imposed by CRS (european equivalent of FATCA) was costing the bank so much they couldnt make a profit. If we keep blaming banks for government regulations, noone will ever realise the true source of this issue