- Maintenance fee: $0
- ATM fee: $0, plus reimburses unlimited surcharges
- Interest: 0.10% flat
Why it’s a winner: Free checking with no foreign-transaction fees. And unlimited reimbursements for ATM surcharges worldwide make this ideal for those who are on the road a lot. Plus you earn interest (flat 0.10%).
Caveats: You need a linked Schwab One brokerage account to open this checking account, but the brokerage account has no fees or minimums.