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Comment by iandanforth | Hacker News Reader

Maybe I'm doing it wrong but the "no foreign transaction fees" is just as exciting. Using my BofA card on trips always results in a welcome home set of charges I could do without.

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Charles Schwab checking account has offered free ATM withdrawal worldwide for a long time.

As does Fidelity

Happy Charles Schwab customer of over 10 years here. I've never once paid a fee on my checking account. Heck, one time I forgot about a one-time bill that caused me to overdraft (first overdraft since around 2005). Instead of charging me the overdraft fee, they sent me an email asking me to make sure the money was in the account by Monday (email received on Thursday) and there would be no fees charged.

I'll be staying a Schwab customer.

This isn't the same though. The wording is transaction fees, not ATM fees. It's far more convenient to pay with your card where possible rather than tracking down a foreign atm that you can use.

> Maybe I'm doing it wrong [...] Using my BofA card

I think I've spotted the problem. Seriously though, look into your available local Credit Unions. There are plenty of good credit cards with no foreign transaction fees as well (some of which are from larger banks).

Charles schwab doesn’t charge arm or foreign transaction fees. I use Citibank for traditional checking, I rarely ever deposit cash anymore.

Stop using debit cards because they don’t have the same fraud protection as credit cards.

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