Kiplinger Finance highlights how US expats can access an SDFCU bank account via their ACA membership
"For example, some U.S. banks will reject expats who have no permanent U.S. address. One way around that problem is to open a checking account that the State Department Federal Credit Union provides in partnership with American Citizens Abroad. Accustomed to serving employees of the U.S. Department of State, who work all over the world, the credit union offers the account to other Americans living abroad who have no domestic address. You must be a member of ACA to use the account"