Transcript of the above video:

 As the title of this video suggests, we are discussing banking in Thailand specifically ATM coverage. What are we talking about? Well, I have had a bank account that I've used pretty much since the moment I got here. I have had it a long time, I rather like it. I'm not going to mention the brand, I'm not going to mention the name of the bank but I quite like the bank. I still like the bank quite frankly but I have noticed their ATM coverage has dwindled significantly over the past roughly a year or two. At one time, very easy to always find an ATM of this particular bank and here recently, it is kind of a trek, you have got to kind of look around for it and if you want to kind of avoid domestic ATM fees, then you kind of want to find your own bank, especially if you are out of town. 

 Now you may not have Bank fees if you are in the same city for example Bangkok and I often am not too picky about finding my specific bank when I am in Bangkok, when I am looking for an ATM. But, outside of Bangkok, there could be fees. If you are down at the beach, Hua Hin or Jomtien or Bangsaray or someplace like this, and it is hard to find an ATM you are going to probably end up just using whatever is convenient. Over time, it can start to scrape off real money out of your account. 

 So something to bear in mind when doing banking in Thailand is kind of have a look. This is especially true I think for retirees, kind of have a look around as to what the coverage of a specific bank's ATM is. If you see their ATM everywhere, it might not be a terrible idea to think about a personal bank account with that bank but again even like with me, there was a time with my bank they were everywhere, and it seems like it is really hard to find them now so kind of difficult to weigh all that out.