When we boiught a villa for rental, we opened an account at Amsouth. As an ex UK Bank Manager I found that the US system is noit as sophisticataed as UK. they charge for everything even using the debit card as well as $1 per month. Min bal for no charges is $750. it was easy to open the account, I supose because our Management Co uses it. A charge is made if account closed within 12 months [8D]