I've had something similar to this - moved back to NZ, bought a house, decided to wait for a better exchange rate deal to move the rest of my $$, bank gave me a

I've had something similar to this - moved back to NZ, bought a house, decided to wait for a better exchange rate deal to move the rest of my $$, bank gave me a combined mortgage/checking/ATM account - at the ATM it started off with a large negative value, eventually became positive over time - didn't have the high value investment component though