I don't know why you are asking this question, but presumably it is because you own or are considering buying property in Belize or living in Belize.
My advice to you is to use Belizean money and banks only on an "as needed" basis, transferring only as much money into BZ dollars as you absolutely need to, for things that you must write checks for rather than pay cash.
Do not under any circumstances allow higher interest rates on savings paid by Belizean banks to lure you to transfer your assets.
The Belizean dollar is like the Cuban currency: It is worth ZERO anywhere in the world except Belize.
Yes, it is possible to get a US dollar account if you are a US citizen but they will nickel and dime you to death with fees for every little thing, and the fees may even exceed the fraud known as "exchange fees" that the Belizean banks ding you for. Unless you are in the retail trade in Belize there is no reason to have one and lots of reasons not to. Keep your money in the US and bring US dollars to spend in Belize as needed.
If you have any need to conduct any kind of financial transaction with a Belizean bank, I recommend you consider using only the Atlantic Bank.
If you have occasion to obtain any kind of loan from a Belizean bank, be aware that the loan documents will state that you may be required, at the bank's option, to repay it in US dollars. (And try to avoid doing this if possible...if you must borrow, do it in the US if at all possible.)
Susan Guberman-Garcia, Attorney at Law. Phone: 510-792-2639
Fax/Voicemail:: 510-405-2016 Email: email@example.com