Can't find the original topic in my email but I have one bank account in Germany (military brat and mom still lives there) but I do have a credit union account in the states. I have never done business with a bank other than the German bank. I set it up when my daughter was born as I was given deposit slips with money on them in my Welcome baby offer package. I also got free baby food in the mail every month when she was able to eat baby food (which starts at 3 months in Germany but very limited flavors that gradually increases as she gets older). No I don't remember as that was to long ago.