ausha1, I can answer some of your questions.
We use Atlantic Bank, Nice people and we can transfer $$ online, pay some Belize bills, etc.
Note: Very Important - You will need a letter (maybe 2 letters for some Belize banks) from your US bank stating you have an account and are in good standing with the US bank, in order to open a Belize bank account.
(Check with the bank to find out exactly what they require) FYI, My Belize bank called my bank here in the states to verify the letter was written by them.
Shop around and see what bank fits your situation, plenty of banks in San Pedro.
Deposits are recorded in Belize $$ even if you deposit US $$.
I am not sure how you withdraw US $$ without any service charge
because we have managed to pretty much spend most of the money we deposit in our bank so no need to weigh us down on the return trips back to the US.
Besides it leaves more room in our suitcase for One Barrel Rum.
I hope this helps OR you are welcome to deposit as much $$$ as you want into our Belize account No charge
(No Withdrawal)