This question is for any American with a Charles Schwab checking account. Can you transfer money directly to a Thai bank account without using a "middle man" like Wise? If so, how long does it take? I ask because it seems like it would be easier to just link the banks, log on and transfer. Also, if you have let Schwab know you are permanently in Thailand with a Thai address (I don't want to lie with a virtual address), how did that go? Thanks in advance!