I feel professionally miffed that I didn't realize this earlier, and I think that is because my quirky hobby of collecting banking products, weird situation of living internationally, and relatively-well-served status with traditional finance caused me to not look too seriously.
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One of the reasons I try to write about this sort of thing so much is to make the point that in addition to the mechanical operation of systems there is substantial human subjectivity and that there are ways to play the game better than the default. I'd prefer they not be secret.
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Why open the checking account before you’ve decided where to get the mortgage? Do you get better quoted rates as a current customer instead of as a potential customer? Or something else?
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Signals seriousness, gets me an instant introduction to a mortgage officer, and puts my passport and US mailing address on file with the bank in a way that they have reason to trust is legitimate such that I don't have to jump through more KYC hoops until very late in process.
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Wait... Banks in Japan rely on the USA-regulated chexsystems for domestic banking?
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No, banks in the US. (Trying to help my parents out.)
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