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Great ATM Card for International Travel (and more)

I like to keep a secondary checking account with enough money in it to pull from when I am traveling, but separate from my main finances in the event my account or card were compromised while I am traveling. So I went looking for an ATM card that charges no fees and does not have any international conversion fee.

Fortunately, I found exactly what I was looking for in a Charles Schwab checking account. We just came back from 3 weeks in France, and it worked great. I checked my withdrawals, and they were exactly what I expected at the normal conversion rate. And the few times I have called in with questions, etc, their customer service folks have been absolutely wonderful.

For those who want more than a back up account, this checking account is linked to a brokerage account that allows easy transfer of funds.

Posted by
2526 posts

In addition, any fee charged by a network is rebated and if two persons are on the checking account and one card is compromised, the other card remain secure and valid.

Posted by
5697 posts

Cards now being issued with chips in addition to magnetic strips. The guy at Schwab Bank said this would work at unattended sites like gas stations.