欧刚刚还想 网上开一个呢，发现点过去必须要是us citizen才能开的，要不然就有message：

To open an account online, all applicants must be United States citizens. We apologize for any inconvenience this may cause. If you are not a U.S. citizen, you can apply for an account at a local Bank of America banking center where we can verify your identification in person

joyy mm是晚上开的还是local 开的阿