Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
The ATM fees are now up to 220 THB per withdrawal but with the Schwab card you needn't worry.
Living here, I stick to ATMs that are physically attached to banks or located within the confines of a shopping mall because ATM skimming isn't uncommon here. Unless it's an emergency, I would avoid standalone ATMs located near street corners or outside convenience stores.
As LIH Prem mentioned, always decline DCC and take the VISA/Mastercard rate.