Maintaining US Bank Account?

Hello,

I am moving to Japan in 2027. I have lived there previously and was able to pay my student loans with a bank account I had at the time. They let me update my address to Japan and all that jazz.

Unfortunately, I no longer use that bank and have since switched to Chase. I've read that I can maintain the account and even update my address to Japan so I can get debit cards and such, but there is a bit of a brick wall when it comes to needing a U.S. phone number.

For those of you who maintain a U.S. account, what do you do?

I need it predominantly for paying my student loans.

This is a permanent move, hence me stressing so much over this.

by Awkward_Economy_2573