They advertise unlimited ATM fee refund, and supposedly only charges 1% of the network fee.

The catch is, in order to have this checking account, you must also open a Schwab One brokerage account.

We have Fidelity brokerage account but from what I research - the MySmartCash (Fido's response to Schwab's checking account) does not work as flawlessly as Schwab's, mainly because Fido does not own a bank and everything going thru 3rd party banks (different functions go to different banks!) Schwab has its own bank at Reno, NV, thus their operation is better.

Would love to hear anyone who has actual experiences using Schwab checking account ATM card to do withdrawal overseas.

TIA!