If you travel internationally or do any business, have a local bank and a proper international one.

A local banks follow local country laws, so in Canada, bank cards work in Cuba. However, employees are painfully useless about anything outside the country.

An international bank, because the employees aren’t clueless about internal transactions. However, they are under the strictest restrictions, cards don’t work in Cuba for example. Iran, Syria, etc will also be a problem. But I can move money between countries as easily as I move money between chequing accounts. Also, they send me my cards via DHL, not regular untracked mail like the very painfully dumb local banks.