Hi, I'm a US citizen living in the Philippines since 1993 (while a teenager) and am now coming into compliance through the Streamlined Process. I'm confused about the 6 years FBAR requirement. Only 3 years of the last 6 years have my bank accounts reached $10,000 or more. Am I supposed to file the other three even if the account balances are below $10,000? Thanks in advance for any insight.