[kingosticks]

I assume you mean "Some banks don't want to deal with". I have also have heard of this problem in some countries. Fortunately I live in the UK and I am unaware of any bank there that is rejecting US citizens.

Since you are referring to a $10,000 limit I assume you mean FBAR (rather than FACTA as that has a $200k limit combined across all accounts for non-residents). If so, have you looked at filing it yourself? It is really quite easy, just a bit time consuming to fill all the address details in the first time ( after which you can just copy and update it every year).

And yes, the increased fee is a joke. Do you have a source for people having visa problems? I've not heard about that but I'm interested to know more.