I would like to add that my ability to get new credit cards at this time is not great. I do however, have a pre-approved offer from CapitalOne sitting on the counter right now, so I'll flip through that to see if it offers any advantages to what I already have.
As far as checking accounts that have no minimums or monthly fees, and refund all ATM fees, do they refund currency conversion fees, and do they offer a competitive exchange rate? As far as no-fee access, I already have that with the credit union account. I can get cash from the ATM in a nearby hotel ATM fee free in the UK.