Fidelity also refunds all ATM fees, with no limits, and has no foreign transaction fees. As an added bonus the money sitting in what amounts to my checking and savings accounts receives 2.72% and 4.99% interest respectively.

Whenever I go to Thailand I bring $500-$1000 cash just in case, but never exchange it for baht, choosing to use my Fidelity Debit card instead to get the best rate with no added fees whatsoever.