The Swiss Post Bank allows me to withdraw from ATM all over the world without any fees. But I have to have an overall minimal balance of 25K USD or I have to pay a monthly fee of 12 USD. I can actually have an infinite number of different accounts with different currencies. But these conditions are only available for Swiss citizens. For foreigner additional fees apply per account (5-10 USD). And yeah, Americans have a hard time getting an account here. Actually a friend told me, that you even have a hard time keeping your Swiss accounts if you move as a Swiss citizen to the United States.