I had read and heard about this bank from lots of people. I seldom use an ATM when I travel so it was not of much interest to me. A good travel friend of mine convinced me I should open an account with them as they have no transaction fees and no foreign ATM fees. He told me if I open an account with $100 they will deposit $50 within 2 days. I was sceptical, to say the least. They do not have bricks and mortar banks, you can do everything online. I went to one of their kiosks as I had a lot of questions. They opened the account for me and gave me a card. I took the card to a Scotiabank ATM to activate and make my $100 deposit. Within 2 days they did deposit $50 into my account. Auto deposit for payroll will also get you $150 after 3 months. If you are interested please use this Orange Key 55050676S1 you will get $50 – and so will I. I do know a number of travellers who use this bank – and they all have rave reviews – ex: 24/7 telephone support.