We use Schwab checking. There are no fees and they refund all ATM fees, so it doesn't matter what ATM you use. They also treat their checking account like a credit card and if there are fraudulent charges, they will not leave you hanging. There are no foreign transaction fees. So we have used the card to get money out of an ATM in Panama, Canda, the UK and Ireland. They reimbursed all the ATM fees and did not charge us for converting the funds. I also love the fact that I can deposit checks by taking a picture of the front and back of the check on my iPhone and within a couple days, the funds are available in my account. Awesome customer service.. PS. I don't represent or work for Schwab. I am just a happy customer.