A handful of U.S. banks are offering individuals access to foreign-currency bank accounts, but the risks should deter all but the most adventurous investors, analysts say.

Investors can reap profits from high foreign interest rates and favorable currency movements, but "it doesn't take much of a currency move to wipe out the rate advantage," said Michael Faust of the investment company MMS International. "The dollar must go your way to make money,"

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