Yea, and sadly not all that many banks to EMT in the first place. I just opened an account at HSBC since it's the only one that offers me free banking no matter where I am in the world, plus they have actual branches throughout Japan. They don't do EMT's at ALL and the lady who works at the local HSBC branch used to manage a T.D. branch, and suggested I could open an account with TD as well, but there has been a LOT of fraud that has been revolving around EMT's due to their insecurity. Fun times for all.