Can't get Siri to set a reminder for me to call my bank
It's because you're using the words "to call". By default Siri is interpreting this as you wanting to call a contact, which in this case is missing.

Perhaps you could just change the words to something like:

"Hey Siri, remind me on January first to change the address for US Bank"

This should just create a reminder for 9am on 1st January to change the address for US bank.