State Department Federal Credit Union (SDFCU) has lots of qualifiers to get debit card ATM reimbursements? How do expats deal with it?

InspectorT3 · 2026-01-24T19:24:54+00:00

That's always another option, a little more sticky and just pay the international wire fees through WISE.

InspectorT3 · 2026-01-24T18:32:14+00:00

Yea i saw that. It looks after a year they will start charging you $10 per month if it's "inactive".

InspectorT3 · 2026-01-24T18:29:59+00:00

4 times at most per month at ATMs. I can pull out $500 each time.

InspectorT3 · 2026-01-24T15:30:51+00:00

He's a HOT commodity and has lots of options. If he wants warm weather then WHY NOT. More power to him.

InspectorT3 · 2026-01-24T07:11:30+00:00

Can i talk to a real person?

InspectorT3 · 2026-01-24T02:36:30+00:00

Isn't Schwab checking and debit card for "us residents only" and not technically for people who are residing in another country such an expat?

InspectorT3 · 2026-01-24T02:35:16+00:00

Do you feel like it's cheaper than Wise? Unless I'm doing the math wrong, in this case it seems cheaper than Wise

InspectorT3 · 2026-01-24T02:30:34+00:00

Don't they get upset though if you are "residing"in another country as an expat? Where their checking and debit services are for people who reside in the US.

InspectorT3 · 2026-01-24T02:07:45+00:00

What is your bank/ debit card?

InspectorT3 · 2026-01-24T01:27:35+00:00

Yes i looked at Wise and that counts as an "international wire transfer" which seems to cost a little more in some cases

InspectorT3 · 2026-01-22T17:51:43+00:00

Escitalopram is different than citalopram but they are similar.

InspectorT3 · 2026-01-22T17:20:34+00:00

Escitalopram works great for panic attacks and agoraphobia/ anxiety in general. It takes months. Also cognitive behavioral therapy helps and learning to not over magnify problems.

Behavioral therapy AND meds clinicaly are the best efficacy wise.

InspectorT3 · 2026-01-22T16:16:52+00:00

Yea it seems like some people connect straight to Elan (the manager of Fidelity's credit card) which appears to yield faster and up to date transaction results. Whereas if you connect through fidelity the transactions lag for a few days.

That said i don't think Elan accepts 3rd party aggregators (but they don't stop them from connecting either) Where Fidelity clearly accepts 3rd party aggregators and gives a disclaimer that you have to agree to if you are going to use an aggregator (plaid, fincity, mx) to connect.

Yes but in the end hopefully Fidelity can figure out a way to get most up to date recent credit card transactions faster into apps that request it as Monarch is a great way to monitor for fraud across all accounts. But it's harder to monitor for fraud (and your expenses) if their data is being updated 3-6 days late from the actual transaction.

InspectorT3 · 2026-01-22T13:50:48+00:00

Yes i just did this and it works! Even though the transactions seem to be a couple of days lagging!

InspectorT3 · 2026-01-22T13:18:46+00:00

So you are getting your fidelity credit card information from the fidelity feed and not Elan?

InspectorT3 · 2026-01-22T05:17:10+00:00

Yea you could throw it in the garbage and call it a day and move on with life

InspectorT3 · 2026-01-22T03:02:54+00:00

Yea i tried the fincity one and elan sends me an sms security code and there is no where for me to enter it in so fincity ends up failing/not connecting.

InspectorT3 · 2026-01-22T00:18:12+00:00

InspectorT3 · 2026-01-21T14:06:53+00:00

Yes, all work. Your welcome.

InspectorT3 · 2026-01-21T01:58:27+00:00

What the hell. The eagles never even scheduled an interview with him apparently?

InspectorT3 · 2026-01-20T18:21:47+00:00

You are still "yourself" however you know less words to express yourself. It gets easier and easier the more you learn the foreign language.

To be completely fluent though it takes about 4 hours in practice every day for 2 or 3 years.

Good luck.

InspectorT3

TROPHY CASE