We bought our condo on the Dutch side and have a mortgage with RBC. We also have a bank account with them. Really wasn’t a big deal, just very time consuming. I receive my GEBE and TELEM bills via email and I pay them direct through my RBC account from an app on my phone. When it gets low I wire money to it from the US - wiring does cost. But I have never been back to the bank in 4 years and never have had to go to either utility company to pay bills.. The condo property pays the electric and then bills us - so that isn’t an issue. We just rent cars when we are on island, don’t want the hassle of having a car and worrying about plates etc.