To provide current Schwab debit card info, I used mine last month many times in Asia and received both a good exchange rate and the automatic rebate of fees charged by the local banks.

Thus the $5 ATM fee, evidently instituted by Thai banks solely to take foreigners' money, is rebated by Schwab with no effort on my part.

Personally, I walk over to a Citi ATM in Bangkok to avoid the fee, Citi and, I understand, some other non-Thai banks being the only ones not charging the $5. Don't save any money 'cause Schwab would rebate the five bucks, but it makes me feel better.