Once a year I'd pay for a SWIFT transfer. It's $45 at BofA, and 500 baht at BBL THL at the TT rate.
AFAIK, you can transfer $9,000 via SWIFT or ACH (domestic), but check with BofA on limits. the $3,500 limit is just for Zelle.
Maybe check out Scwab and Fidelity for brokerage/IRA.