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 and MasterCard charge 1% and American Express 2% to convert currency. Some banks add up to 2% on top of that. Many smaller banks, online institutions, and credit unions do not demand extra fees.
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. Some Foreign Service employees may also qualify to join USAA.
State Department Federal Credit Union
Lafayette Federal Credit Union
These listings do not imply endorsement.
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