So, first it's difficult to find banks that'll even accept US citizens and then once you do, it can still be very restrictive.
Say you're a dual US / German citizen. Will that help a German bank more easily bank with you? Do you even have to disclose to the bank that you're a dual citizen, or can you simply present yourself as a German citizen?
You may misrepresent your tax status towards the bank, but I'd assume that takes you on risky grounds, legally.
https://www.irs.gov/individuals/international-taxpayers/clas...
Whether the bank finds out or not is maybe another thing, but in principle what matters is if you count as a US Person.
Some countries won’t let banks refuse to open an account.
I’m sure some people lie to their bank (or continue to hold accounts from before they would ask these questions). But it’s more complicated if your place of birth is USA. But that could be bypassable too if you have the right documents.