Banking for foreigners


Lately, I've been looking into online internet banks and wondered if anyone else has used something like this. I'm not talking about online banking through a traditional bank but a "virtual" bank located in cyberspace, wherever that it.
I have my accounts in Canada with debit and credit cards of course. I also have paypal and have found that to be a great way to move money around. The problem I always hit in Argentina is getting the actual cash. I also dislike ATM fees and snooty bank clerks.
Tell me what works for you and what doesn't.