Aloha John Henry. We also lived in Maui for years. You'll find Boquete to be like Paia was about 20 years ago. ScotiaBank is friendly and easy to set up a new account. One bank reference should do the trick. As previously mentioned, write a check off your U.S. Account, wait a couple weeks, and your funds are ready. We use credit cards at grocery stores, Price Smart, and for gas and get the miles on UA or AA and pay no Foreign Transaction fees. The suggestions for using Schwab and/or Capital One are good as well. By the way, we usually go into Scotia to withdraw cash but their ATM is good too.