I currently have a checking account. This account is what pays my bills, and credit cards. Many of my bills that requires a credit card to pay will come through my carry card. Every 2 weeks, I will pay the carry card to assure that I never have interests to deal with. This is similar to what I do now, and it works for me. My checking account will have between $25,000 and $250,000. When I drop below $25,000 – I will transfer money from my Swiss account to the checking account. This process should only take a few days to complete especially since this is will be an established relationship that won’t make the fraud department worry.