Has anyone figured out an optimized strategy for banking while overstaying (without residency) in the DR? Specifically, I'd like to keep a US bank relationship, but am trying to find the best checking account to minimize hassle and expense.
A couple banks I have looked at:
HSBC Expat Banking -- handles multiple-currency living, but seems to be expensive and require a significant minimum balance.
CapitalOne 360 -- does not charge foreign transaction fees, but is free only from CapitalOne ATMs, which seem to be few and far between.
Aspiration -- reimburses ALL ATM charges, but charges 1.1% transaction fee on currency exchanges.
When I calculate my monthly budget, the CapitalOne and the Aspiration offerings are probably about equal.
Any other thoughts or suggestions? Thanks!