Does the USA one work as a regular bank account (with or w/o debit card) with its own details/routing #, etc or its just a brokerage account for same name transfers and pooled account?
I just checked and it seems that for non-US residents they only open the brokerage account, not own bank account associated. That combo offer is only for us residents.
I don't know about Charles Schwab, but it often works to open an account in an allowable country, and then tell them you have moved to a non-allowable country.
You can use the brokerage account as a bank account, when you request the cheque book you are given a unique account number for deposits and ACH direct debit.
Did you also get the Schwab Visa debit card (the one with ATM fees refunded) with the non-resident HK brokerage account?
Did you ever tried it or where did you get this information from ?
This could indeed work. Someone had success to open an account with Charels Schwab this way?
It was once on some digital nomad blog:
