Now our Swiss accounts are open, but we don't have our ATM or credit cards yet. It was a bit of a panic on Friday when my husband got paid and we needed money and were heading out of town early Saturday. Apparently, it's not like the US where your paycheck hits your account first thing in the morning. No, it hits it at 4 pm.
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I know the feeling - we got a fright with that too!! Had been here for four weeks and struggled by til pay day...then saw that the money wasn't there
That said, we had already put some money in the accounts so that our ATM cards would be sent to us, so we were able to access it in the evening...phew!!