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U.S. Department of State

Diplomacy in Action

Confirm Banking Arrangements


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Establish at least one joint checking account accessible to either partner. Set up online banking services with your bank or credit union, since mail could be delayed getting to post, and make sure you have overdraft protection.

Find out whether your ATM card can be used internationally and ask about fees and overseas networks. Investigate credit card fees on international transactions. Visa, MasterCard and American Express accounts might charge a percentage rate to convert currency. Many smaller banks, online institutions, and credit unions do not demand extra fees.

Notify your bank and credit card companies of your new address and location.  Not notifying your credit card company may result in a freeze on your account if charges come in from an overseas location.  If you plan to travel to neighboring countries, credit card companies also need to be notified with the time limits of your travel itinerary. 

Check your credit rating, which can be done at www.annualcreditreport.com. Each spouse or partner should have access to credit in case of emergency.

If your current bank cannot provide the services you need, the following have long-standing foreign affairs connections.

These listings do not imply endorsement.

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