[breakerbox]

I can confirm Schwab banking is the real deal! No fees ever. Reimburse ALL atm fees (even those pesky international scammy ones that are like $10 a pop). Effectively wherever you are in the world, you are in network with Schwab ATM's. Used them as an exchange student all over the place.

The biggest plus IMO is if you travel a lot. You get, from what I have experienced, no currency conversion fees, and no mark up on the exchange rate. They basically give you the Visa official exchange rate which is very good!