I have the Charles Schwab high yield checking account. The checking account is 100% online, meaning you make deposits by mailing in a check. The downside is you can't make cash deposits. With no brick and mortar branches, you can withdraw money from any ATM and all ATM fees will be rebated at the end of the month. From my experience the ATM transactions give the best currency conversion rate compared to carrying cash and exchanging them at the airport. I was wondering if anyone else has any other checking account that is better than the Schwab checking account or any other way to get money while overseas.