SS checks are direct deposited to a Mexican bank, in which we keep a limited balance. SSA is aware that we live in Mexico. No problem. Our U.S. bank caters to overseas clients and is also aware of our Mexican residence. They have provided us with a checking and savings account as well as a high limit Visa card. Easy online banking.
With some research, there is no need to hide your residence in order to fill your banking needs. A good place to start is the website for "American Citizens Abroad".