US Military Pension Direct Deposit to Thai Banks in Jobs, economy, banking, business, investments Posted October 5 8 minutes ago, Pib said: The OP is talking "International Direct Deposit" where DFAS uses the SWIFT system to accomplish the transfer vs the ACH system. Two different transfer systems. If switching to the IDD transfer method which uses SWIFT you can have you benefit payment sent to any Thai bank...and to a regular savings acct that allows debit card, ibanking, etc....no need to "physically" appear at a branch with passport to accomplish a withdrawal or transfer....no need to be limited to the Bangkok Bank special/restricted direct deposit acct. If remaining with ACH method Bangkok Bank is the only Thai bank that can receive the payment and it must be received to the special/restricted direct deposit acct. I read something to the effect that the U.S. govt was making what ever arrangements were needed to continue direct deposit in the correct format and that the recipients do not need to take any action. I can not find that today, but it may not matter. What you say makes sense and covers that issue. But as to using debit cards: I have only dealt with Bangkok Bank so I only know what their policy is. And that is any U.S. govt funds directly deposited must be in a single name account and have counter withdrawals only. This was driven by the SSA mainly because of too many families not notifying SSA of a death and continuing to withdraw the payments via the ATM for months and years. That is a corporate requirement, not a branch requirement, driven by the U.S. govt. If they did not implement that, the U.S. govt would not directly deposit pensions and benefits. The U.S. govt also requires all banks to report all U.S. citizens' accounts if they want to have access to the U.S. financial system.