I just went back to my local a couple of weeks ago after he added a website which is now much more convenient than having to call him all of the time.I don't have to front any money, have a $5,000 credit there (could of been more), and don't have to pay any transfer fees back and forth. Not as many props, etc., but with all of the above, and the way things have been going offshore lately, I'll go this route for a while.....