The BEST Bank Account For American Expats

StroppyChops · Post by **StroppyChops** » Thu Aug 21, 2014 3:47 pm

giblet wrote:Good point. They block my card ALL OF THE TIME even though I have told them I live in Cambodia. Recently I was in a bank in Siem Reap and a tourist was going mental yelling at the bank staff. His Khmer companion was standing there, mortified. The guy was waving a card around and I could see the Schwab logo so I took him aside and told him that the problem was almost definitely on Schwab's end and he'd need to have a nice long chat with them before they would activate the card again.

With the exception of Western Union staff who were deliberately being obtuse over more than a week I've never gotten loud with Khmer service staff. If I ever do, I hope you or someone like you are around to take me aside and smack sense into me.

0to60 · Post by **0to60** » Thu Aug 21, 2014 3:51 pm

I believe this bank is completely online. No actual buildings with people and money inside.

Cam Nivag · Post by **Cam Nivag** » Thu Aug 21, 2014 4:06 pm

Schwab has over 300 offices with over 13,000 people working inside and they hold more than $2 trillion in client assets.

0to60 · Post by **0to60** » Thu Aug 21, 2014 4:39 pm

But are any of those offices actual banks, or investment brokers?

OrangeDragon · Post by **OrangeDragon** » Thu Aug 21, 2014 5:29 pm

StroppyChops wrote:
giblet wrote:Good point. They block my card ALL OF THE TIME even though I have told them I live in Cambodia. Recently I was in a bank in Siem Reap and a tourist was going mental yelling at the bank staff. His Khmer companion was standing there, mortified. The guy was waving a card around and I could see the Schwab logo so I took him aside and told him that the problem was almost definitely on Schwab's end and he'd need to have a nice long chat with them before they would activate the card again.
With the exception of Western Union staff who were deliberately being obtuse over more than a week I've never gotten loud with Khmer service staff. If I ever do, I hope you or someone like you are around to take me aside and smack sense into me.

I only had to do so one time, and it was on the phone, and it was after they had "misplaced" $7,000 in wire transfers for a week.

Someone at that bank was enjoying an interest free short term loan is my bet.

wackyjacky · Post by **wackyjacky** » Thu Aug 21, 2014 9:25 pm

0to60 wrote:But are any of those offices actual banks, or investment brokers?

They're fucking huge and in every CBD in the US. Chuck bought a bank maybe a dozen years ago. There was one 100m from my bar in San Francisco. What's so hard about Googling them dude ?

0to60 · Post by **0to60** » Thu Aug 21, 2014 10:00 pm

I did and that one branch in San Francisco is where they started out before they decided to become a brokerage company. I also went to their website. Nada. Other than the historical monument in San Fransisco(and maybe not even there), they have no place where you can make a cash deposit, without using someone else's bank as a middleman. Their website says you can mail them a check.

What's a CBD?

Soi Dog · Post by **Soi Dog** » Thu Aug 21, 2014 10:09 pm

It doesn't affect you in Cambodia when getting US dollars from the ATMs there, but any card usually gives you a crap exchange rate when withdrawing foreign currencies, which is often equal to a 1.5% hidden fee. My E*Trade card does anyway.

StroppyChops · Post by **StroppyChops** » Thu Aug 21, 2014 10:12 pm

0to60 wrote:I did and that one branch in San Francisco is where they started out before they decided to become a brokerage company. I also went to their website. Nada. Other than the historical monument in San Fransisco(and maybe not even there), they have no place where you can make a cash deposit, without using someone else's bank as a middleman. Their website says you can mail them a check.

What's a CBD?

Central Business District.

0to60 · Post by **0to60** » Thu Aug 21, 2014 10:23 pm

When I clicked on their find a branch, all I got was a list of brokerage branches. While you can go in there ask questions about your online account, you can't give them cash for deposits or most other things you would do at a normal bank. Everything has to be done on the internet or on the telephone.

The BEST Bank Account For American Expats

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