If you are planning on living abroad, you need to think seriously about how you are planning on dealing with banking matters. One bank that a number of expatriates have chosen is NetBank. The ease of use and the good interest rates (because they are not supporting large buildings and large staffs) have made them quite desireable. And, yes, deposits are FDIC insured up to $100,000 just like other U.S.-based accounts. Even better, they even try to show you the location of ATMs that don’t charge fees.