Looking for bank with NO foreign transaction fee ATM
I currently have accounts at TD Bank (as part of my 6-figure investment portfolio at TD Ameritrade), but as I would like to keep that as "separate" in a community-property state, I'm looking elsewhere to have my checking account & debit/ATM card (this will also be where my pension & stimulus checks are deposited, since they are "community").
These are the places I've read about, and why they don't work for me:
- Schawb: merging with TD Bank.
- CapitalOne 360: even with multiple accounts, it only allows a SINGLE ATM (I like to have a few just in case I lose them on an extended trip abroad).
- SoFi: I can't get past the damn ID screen, as whatever photos I use for the ID aren't accepted, and it seems that the system is run on AI with no humans who want or care to look into it.
- Fidelity: seems to charge 1%.
- Discover: if trying to use abroad, BWAHAHAHAHAHA!
Everyone else wants to charge 3-5%, which is OUTRAGEOUS.
Where else should I look?