the principal place of business is located in the United States. (B) Exception In geographic areas where physical access to a branch of a Federal reserve bank is limited, Federal reserve banks serving such areas shall partner with United States Postal Service branch offices to ensure access and availability to application and account services for digital dollar wallets. (3) Terms of digital dollar wallets Federal reserve banks shall ensure that digital dollar wallets established under this section— (A) may not be subject to any account fees, minimum balances, or maximum balances