well, lets pretend that i've been doing a lot of under the table consulting (6 figures) and i'd rather not let uncle sam take 40+% of it away from me. my bank account has enough and i was told if i deposit much more that i would surely be audited.
Most swiss banks will link up a debit/atm card so you can spend whenever you want. I've searched google for offshore banking but want to hear from people who have experience.