@divinesams , assuming that your F-1 status is still in force and this (2015 ) entry was your first US entry, you would have been an exempt person through 12/31/2019. There after you count days of presence from 01/01/2020 towards substantial presence test. Till passing this test you are a Non-Resident Alien. Opening an account ( financial ) itself does not change --- just that when you have left the country , you would become/maintain your NRA status, the taxes on US sourced income would need to recognized each year --- ideally the financial institution should be aware that you are leaving the country and that they should be withholding your federal taxes ( as a NRA ).
I do not know if this is question -- so please tell me more about what situation you are facing, what you are trying to do etc.
