When I arrived to Ecuador, I needed to deposit $25,000 for the purpose of my resident visa application. I decided to make that deposit at Banco Pichincha because I read a recommendation somewhere by another expat.
In order to make that investment, I was required to open a savings account with them that comes with a Visa debit card. I was despositing checks periodically into this account drawn from my U.S. bank that would take about 2 weeks to clear. Pichincha currently has a $3,000 deposit limit on out-of-country checks.
Now that I have a checking account in the U.S. that doesn't charge ATM fees, I have less of a reason to maintain a balance in my Pichincha savings account.
Since I am now a citizen, In about 9 months when my CD expires, I expect be able to take control once again of my funds. I will leave the money in Ecuador, but I will have to make a decision as to whether I want to chase a higher interest rate with Certificate of Deposit with perhapsJEP.