Since posting last a few days ago pondering whether to retire now and move to LOS, I have decided, yes, now is the time. I do have another question that I've been having some trouble with. I will have a pension. My employer will only deposit in a US bank. I understand I can have the money transferred to a Thai bank but that seems to get a bit expensive. And just "ATM'ing" exclusively seems impractical. I'd like to have a branch I could walk into in case I say lose my atm card or whatever. Or needed more cash than was available at the atm etc. Any suggestons?