As a consumer, I really like(d) my US bank accounts besides some technological limitations. If you can afford to pay your bill every month (worth emphasizing),

As a consumer, I really like(d) my US bank accounts besides some technological limitations. If you can afford to pay your bill every month (worth emphasizing), credit cards have far better benefits and are more consumer-friendly than in seemingly any other country I've been to or looked into, and are even more advantageous abroad than any domestic credit card where I live. This applies to checking accounts as well. I pay no fees on my account with no minimum balance or usage restrictions and still have free unlimited ATM use worldwide (i.e. my bank doesn't charge a fee for the use or currency conversion and they actually refund me the foreign ATM's fees) and fee-free overdrafting on my account (paying a very nominal margin trading interest rate). I actually still use it even though I don't live in the US because it's cheaper to use here than my domestic bank account...