Since there seems to be different experiences. I will add another. This also from US banks to Thailand, but Lycamobile https://en.wikipedia.org/wiki/Lycamobile sells in many countries. I have a monthly plan, roaming included. I just have to turn on my phones roaming. When in Thailand, I put the sim in an old phone. It then connects to AIS 3G roaming, all incoming call for my US number from the US ring and I receive SMS free. They charge $.40 a minute for roaming on both carrier and wifi calls (same as I have seen on other carriers) but I answered one short call and never saw an extra charge. I have used them for more than 10 years, great service, the worst customer service, website.