I use my app all the time without any spoofing etc to deposit checks and pay bills without any issues. I also view my account online without changing VPN etc.
I deposit checks from a PC as well as P2P transfer, pay bills, occasionally ATM withdrawal, etc. without issue. However, back in the spring of 2014, when I had my 360 accounts open several months, I was contacted by 360 and their concern seemed to be that I should not have an account with them if I'm not permanently, physically in the US. They don't seem to care that their T&C states clearly that the customer needs to be a US person (as per their definition a US citizen, for example) but does not require presence in the US. I actually have a friend who was shut down before my story at the stage of completing the opening of an account because he's not in the US. They seem to be paying good attention to IP addresses. BH I got them off my back by telling them that although presently I'm staying in Israel, I do plan to be back in the US (for a visit though didn't say that) in a few short months (which was of course true. I wouldn't say it otherwise.) I do though keep 1 day YT.