Is it a bad idea to open a Swiss bank account for personal banking? Noobish question: would it be considered an American bank account (i.e. UBS has a corporation in the US that runs US personal bank accounts?) It also might be nice overseas... I don't like being bombarded by sales people upon entry to BAC branches. I also don't like being treated like I'm a stupid $10k/yr dope head who doesn't have an IRA... wake up branch losers!