This is one of the accounts we highly recommend to travelers as there are no fees for international ATM withdrawals and Schwab credits all fees charged by other banks. In fact there are no monthly fees at all for this account.
you need a referral although there is no credit given to the person who refers (and hence no Conga). I am told the link is here:
https://www.schwab.com/public/schwab...=REFER6EYV774D
HT to Doctor of credit who provides further details here:
https://www.doctorofcredit.com/charl...reimbursements