Regarding the bank situation... my husband and I had a bank account on the island at one time, when we were considering buying. We dealt with First Caribbean, formerly Barclays Bank. It is now run buy CIBC, a Canadian bank. We did not have a local address but opened a post office box at The Mailbox and used this for a local address. Even though we never did purchase on the island, we kept the account for a while, had ATM access, etc. We found the staff at the branch, in Cole Bay, I recall, to be very helpful.