[enscr]

This happened to a friend a few months ago. He has a SaaS business, working remotely out of France (uses Stripe + US bank accounts as he lived in US for sometime).

One day suddenly, he got locked out of his bank account (a major US bank) and the only way to restore the access was to walk into a branch physically. This meant dropping all work and flying to US at a day's notice, assuming you are granted a Visa. He was fortunate that the customer service listened (though they were not the politest people on the planet). After jumping a few hoops and following some unconventional methods of verification, the access was restored, but the situation was scary for a few days.