Schwab seems to be much better regarded than eTrade for customer service, so I'd go that route. That said, I don't have either.

If going Schwab, make sure you sign up through the brokerage website for a SchwabOne with Investor Checking account rather than going through the SchwabBank site for a standalone bank account. The SchwabOne/Investor Checking has no minimums and pays a decent interest rate, while the standalone SchwabBank accounts have minimum balance requirements and pay essentially nothing in interest.

See also the thread I started at Fatwallet, which was geared more toward ATM rebates in general than foreign exchange, but should answer your questions.