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@tijames Gladly. I hope it works for you. It's really been made more and more difficult to exist financially as a US citizen residing outside the states. Another thing you might want to keep as a backup is seeing if you can open a State Dept Federal Credit Union bank account. It's the only bank...

@tijames Look into Wise (wise.com) - you should be able to open an account and then set up a USD container and an NZD denominated container. The USD container will come with a routing number and account number you can have your annuity deposited into. Youu transfer it to the NZD denominated Wise...