I'd definitely like to go to Tahiti some time. But I have no idea when that'll happen...

I used to be a pretty big advocate of umbrellabank. I'm now more lukewarm. Following their acquisition by NewSouth FSB, they no longer have the superb 24hr customer service they once had, which is the biggest downer. And I have some beefs with their technology (particularly the way they do passwords and PIN numbers). But I stay with them because their product otherwise remains decent. They only charge 1% on foreign purchases/ATM withdrawals (better than most, although I have other cards that don't charge anything). ACH transactions are almost always available within 24 hours of transmission. Plus they rebate ATM fees and pay reasonable (but not extraordinary) interest on my checking account balance, along with free billpay and whatnot.

But I digress...