I saw that this possibility was already mentioned (a little over a year ago) in an answer to this question, and Chris W. Rea commented that the lack of a specific regional tag should be taken to mean that the question is universally applicable.
I just don't think this is working the way it is intended; given that the majority of the site audience appears to be in the US, there are many many questions asked that are US-specific but are not given the united-states tag.
For example, I just re-tagged this question with united-states. The wording of the question does not specify a location and there would be many different answers depending on the jurisdiction in question. It is evident from the OP's location that they intended the question to relate to the US, and indeed all the answers seem to apply to US-ian banking systems.
As a non-US-ian, this is probably more annoying to me than it is to the US-ian sections of the audience. I just think the idea of insisting on a regional tag (or "other-region" or "international") could usefully be reconsidered from this perspective.