Gotcha. Thanks!

Could you share more on this?

Oh ok. My US bank needs 2FA and Google voice won’t work with it

What do you use? I need 2FA for US companies via text and am looking for a Google Voice replacement.

Depends on the place. If it’s some small bakery or something, I will ask them if they accept credit cards or any cashless options, and if they say cash only, I will leave. I want management to see that offering multiple payment options matters.

I always have cash on me, of course and there are places I need to use it, such as the cash-only discount drug stores, local clinics, etc. But most of my daily stuff can all be done with a credit card, smartphone, cashless, etc. Restaurants are a toss-up if you’re not in big cities.

Appreciate you sharing more details about SBI Shinsei! Just out of curiosity, what do you use Sony Bank for if SBI Shinsei is your main?

That’s good to know. I was considering MUFJ a while back but ended up opening accounts with Sony and SBI Shinsei.