USAA bank refunds up to $15 per month in any atm charges that occur by using one that's not one of theirs, AND they do not charge you a fee on their end to have used a non one. This has worked for me in Holland and Canada as well as when in the states using it at some near by bank or something. You may need to be part of or somehow related to the military to get one of their checking accounts though.

MM