I am wondering if anyone has recent experience with US dollar foreign currency deposit accounts at SCB. I had one several years ago, but I closed it because it was quite inconvenient. Whenever I wanted to transfer US dollars into one of my Thai baht accounts at SCB, I had to go to the branch in person, withdraw the funds, exchange them to baht, and then deposit the baht into my SCB savings account. Three steps. Recently, I noticed that SCB offers electronic FCD accounts called eFCD. These seem much more convenient since they are linked to the SCB Easy app, allowing exchange and transfers between accounts directly through online banking. However, it appears that these are only available to Thai citizens. So my question is: are the standard passbook USD FCD accounts now linked to SCB online banking also, or do they still require visiting a branch with the passbook to withdraw and convert funds into Thai baht? I understand that SCB FCD accounts have no minimum balance requirement, which is appealing. I am hoping that the process may have improved and that it is now possible to manage the account more easily through online banking. If so, I would reopen a USD FCD account at SCB. Any recent insights would be appreciated.
