So I live in a very small town with only 2 banks NH or Shinhan. Both of these banks are perfectly fine if you only need them for money matters in South Korea. When I first arrived my handler took me to get a bank account and she of course took me to the place where the school also does their banking so it would be easier for them. I am getting ready to do my big trip outside of South Korea and I started reading various message boards and come to find out my NH bank card won’t work outside of Korea. So what is a girl to do. If I use my American cards I will get charged international fees. So here is my solution and advice to anyone living abroad, find a bank that is truly international. A bank that has locations in many different countries, not only will that help when you are traveling but certainly when you are trying to transfer money. I currently get charged roughly 100 USD every time I transfer money, its ridiculous. If I transfer 12 times a year that is $1200. I would rather keep that money than give it to some bank. I wish someone would have told me this before arriving so I could have done my research prior to coming here. Thankfully I found out before I went on vacation and didn’t have access to my funds. For me personally living in Korea and being a resident of the U.S. I decided to got with Citi Bank, not only do they have locations in the U.S. and South Korea, but they also won’t charge me transfer fees and I will have access to Citi Bank ATM’s across the world. Hope this helps and happy travels!