Banking - USA versus Costa Rica?

I am the sole proprietor of a small seasonal business that I am starting in Costa Rica. I am a resident of NYC, and I have formally incorporated in Costa Rica. I wish to create a business banking account with merchant credit card services. The problem is that Costa Rica is a high-risk credit card zone, and the international banks located within the country, HSBC, ScotiaBank, etc. are not linked to their North American counterparts, and fees and logistics are a nightmare.

As I have a corporation in CR and am a US citizen, can I legally establish the banking services I need in NYC under the name of the company without incorporating in the US or raising the ire of Uncle Sam and the IRS? I asked my bank, HSBC, and they suggested getting "approval" from the BBB, which makes no sense whatsoever.