<prompt> Human: tl;dr American citizen, moved to Australia semi-permanently multi-year contract. Changed my address with Charles Schwab. Checking account suddenly and without warning or notification was removed. I have no access to my funds for weeks. This is causing hardship and would like suggestions about what to do.I signed up for a Charles Schwab bank account several years ago because it touted a good exchange on foreign currency and no fees or transaction costs on using anyones ATM. It was my secondary bank account when living in the US but anytime I was abroad it would become my primary.I recently made a semi-permanent move to Australia and updated my account information with my new address and phone number. I did this only because I didnt want my debit card to be rejected if I had to use it - I could inform them of travel to Australia but Charles Schwab limits it to 6 months at a time, and I was prone to forgetting to renew this travel advisory so I thought it would be best to just have an Australian address on file to reduce problems.I logged in to check my balance late last week and was surprised to see my checking account gone completely from my account view. There was a brokerage account that I dont use with 0.01 on the balance this is correct and thats it. I assumed it was a glitch, especially since the day before I logged in and my checking account was there, but just in case I reached out to their chat on-line service to talk with customer service.Long story short, customer service said they closed my account because I had a foreign address. I told her I did not see why that mattered, and she copied something from the agreement that it is for domestic US customers only I still dont know why they have this restriction but whatever. She said someone was supposed to contact me, but she saw no evidence of anyone making an attempt on my account. So she doesnt know. I asked where my money was. She said she didnt know. I asked why they didnt just sweep the money into my brokerage account. She said she didnt know. Im surprised she didnt use the shrugging girl emoji during our conversation.She did eventually take the initiative to follow up. I received an email the next day saying that a cashiers check will be sent to my Australian address with my funds within 2 weeks. Mail from the US can take an additional couple of weeks.Even when I receive my check, I have no idea if I will be able to deposit a US-based check into my Australian bank account.So I basically have no access to my money that was in my Schwab account. Without warning, this money was taken from me, and will remain inaccessible for 3 or 4 weeks. Needless to say, Im pretty pissed. I have obligations in the US to attend to, including a mortgage. These missing funds are causing my hardship.What can I do, if anything?Also I have to say the customer service was indifferent and disinterested, and while they acknowledged that someone should have contacted me and didnt, they didnt seem particularly interested in righting their wrong. I would recommend against anyone in a situation involving easy-access of funds abroad to find another service there are many and avoid Charles Schwab.EDIT: Forgot to add - they have another checking account geared towards people just like me, and they have pushed me on two occasions to sign up with this new type of account with them. I declined their generous offer.  <response>: Whether or no theyre within their rights to do this, it seems an easy mistake to make. You sign up for an account, not paying attention to or forgetting the irrelevant parts, and then, years later, do something that triggers the closure.A heads up would have been nice, and beyond that, their way of shutting you down and locking up the money for an extended period of time is really poor customer service, at best.Speaking of which, something that bugs me is how a bank or service can happily take your money out of the account in a tenth of a second, but if theres a problem, and you need it back, they need some endless length of time to process it.I had a case where Wells Fargo double dipped my automatic CC payment right after Id taken a trip to France. I had enough in my checking to cover one trip to France, but oddly enough, not two, so everything was overdrawn elsewhere, which caused a major headache. I called WF, who admitted immediately that theyd screwed up, but then it took 30 days for them to return the money.That was the last month I was a WF customer. 