You can use their ATM's regardless; the only downside is that you'll pay international usage fees
depending on your home bank. You can use Charles Schwabb and they'll refund your ATM fees
to you every month; maybe some other banks do that as well.
My Spanish is passing and my wife's is fluent, and technically we could open a bank account in our daughter's name (dual Mexican / USA citizen), but we've yet to see a viable benefit.