Originally Posted by
busterbaxter
I have not used my Citibank debit card abroad after they upp'ed the forex fee. But I still keep the account active. Reason is that some Citi ATMs in Japan are located indoors and you need to swipe your card to access at night. So even with a no forex fee Cap1 ATM card, I still need to use the Citi card to gain entry.
really? You worry about ATM safety in Japan? I can't think of a country in the world where ATM safety is less of an issue than Japan.
But on topic. I had a Citibank ATM and felt good that they have so much presence internationally, especially in Japan and HK. But when they started charging me 3% forex fee to access my Citibank checking at a Citibank foreign ATM, I decided to drop that nonsense. I had a TD fka Commerce checking, before Schwab checking came into existence, but I went below the $2500 min balance once and got hit with a stiff fee. Now I have Schwab, used it on a two week trip to Tokyo and Thailand, and have no regrets. I received a $8.40 ATM rebate from the trip already and just got back two days ago. Schwab isn't perfect, their web banking needs alot of upgrade, but they say they are working on it. And no cash deposits is a downside too. But still better than getting charged to access my own Citibank money from overseas Citibanks.