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Just now, Yeochief said:

I did choose United States Atlanta.  This is what I get back after putting in my login information:  This account access is not currently available due to security concerns.    

I see.  I misunderstood and thought you couldn't get Express VPN to work.

That is very strict.  I suspect you will need to call them.  Tell them you are travelling.

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Follow up on my TSP account.  I called TSP via SKYPE, TSP did lock (security reasons) my account and the young lady unlocked it for me.  I'm good to go with them.  Thanks again for all of your help.  

I just looked at the TSP website as I did not know what it is.  This is basically investment banking and that is the banking that has the most issues with clients living overseas, due to U.S. regulati

Just to be clear, the company I brought up earlier in the topic was Schwab International, not U.S. domestic Schwab. https://international.schwab.com/ It appears that you all have Schwab dome

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43 minutes ago, Yeochief said:

This is the only US government website I have trouble getting into.   

Perhaps clear all your browser cookies but I doubt if it will make any difference now as they seemed to have flagged you.

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I use TSP... assume you've logged in after Dec 2019 (?)... since that date you must update and use two step verification to access.

One thing that works for me in the Philippines was to log in using my iPhone web browser using the phone carrier and NOT the home router.  It never would accept the home router , but it will when using a phone carrier system. Don't know the exact details why... but that works for me.

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I cleared my browser of all cookies.  I agree that I have been flagged.  :(

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44 minutes ago, Yeochief said:

I cleared my browser of all cookies.  I agree that I have been flagged.  :(

Just in case it helps you as you try to sort this out.....

Joey G. said they use 2FA.  Some sites allow e-mail to be used for 2FA but some require texting to a phone.  My Capital One credit card login and Fidelity require a text capable phone number.  Social Security allows e-mail.

For the text capable phone, I set up a Google Voice phone number.  It is free and you can choose your area code.  I think you need to set up a Google mail account first, if you don't have one.  Also free.

It works fine for my 2FA.  You can set it up to forward all texts to e-mail, so you can get the 2FA codes in either place.

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On 8/11/2020 at 11:59 AM, Shady said:

Can you get a Schwab checking account with ATM card?

I have one and yes, you get the ATM card. As of recently, all fees for ATM's have been refunded - for years...

They apparently use a "smart" computer system that learns. However, you must, at least at the beginning. inform them that you are overseas and the country where you are when you first use the card overseas... Afterwards, their systems seem to relax... But they are very responsive and helpful in case you have any issues...

Edited by Tommy T.
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I sent them a message a few days back, no response yet.  Asked how fast could I get an ATM card and do I have to maintain a balance in the account.

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17 hours ago, Yeochief said:

I sent them a message a few days back, no response yet.  Asked how fast could I get an ATM card and do I have to maintain a balance in the account.

If you are talking about a Schwab account, I did the application online.  They required a US address at the time (20 months ago).  Checks and ATM card received in about 10 days at US address.

One you have the card you can use their app (can be installed on your phone in the Phils) and send a travel notice on where you will be using the card.  Notice can be dated same day. 

Regarding a balance, I try to keep at least $200 in my account.  I use it as a debit sweep account and only transfer what I expect to need each month into it from my main account in another bank. (ACH transfer, no charge from either bank)

Edited by Hobbit112
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18 hours ago, Yeochief said:

I sent them a message a few days back, no response yet.  Asked how fast could I get an ATM card and do I have to maintain a balance in the account.

I know that they are slower to respond lately... but I also have not needed to deal with them personally for a while either.

I checked a while ago and my checking account does not require a minimum balance. You can set up an account that requires a minimum balance - my (sometimes faulty) remembrance is that it is up to you... I also have investment accounts there, and that may make a difference?

And what Hobbit said above is accurate... I did not phrase my comments quite correctly... They do require a travel notice, at least when you first try to use your card overseas. With me, I did that once and then kept using the ATM card weekly or bi-weekly and their computer only seemed to get upset when I exceeded 5 withdrawal attempts in less than a week. I hit that limit a few times because I can only withdraw P10,000 per transaction at the ATM's and sometimes I needed more than that for special expenses...

Edited by Tommy T.
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