I went to get money from the ATM today and learned that Clave is now charging $3.00 for each transaction that is for banks outside of Panama.
I still think it is better for me than having an account in a Panama bank, but it does cause one to think about it a little more. Up until now, I was having no charges using any ATM. Oh well, nothing is forever.
I should add that none of the three different ATMs I tried today gave any money even though I authorized the transaction. This change in policy may be causing other problems as well.