At 10:55 8/16/2004 -0400, you wrote:
>probably was me....still pretty scary though....at least my bank was
>helpful....

What bank? I'm always looking for good banks to use.

BTW The setup that I recommend to most people is this.  Have 2 bank
accounts.  Both of them have free checking without a minimum balance.  The
primary account is for teller and ATM use only.  I only check balance and
stuff online.   The other account is for Internet access.  This is where my
pay-pal and account that I use to pay other stuff is.  I use a credit card
to pay for everything online.  So I have added protection.  The key is not
to keep much money in account 2 so in the event that you are robbed you can
control the damage.

I also recommend that one use a multi-national bank.  I traveled to Asia
last x-mas.  I was able to depart from JFK with less then $100 in my
pocket.  I went to a branch office of HSBC in S Korea and was able to
withdraw US funds without penalty.  They also gave me a slightly better
rate then the posted exchange rate but the difference was really
nominal.  The only other bank that stands out as multi-national bank is
CitiBank.  I've recently opened up an account with them.  They seem to be
more restrictive and I have to maintain a certain balance level or they hit
me up with some charges.
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