[RoyceFullerton]

I have lived outside of the US for 6 years and can hands down recommend Charles Schwab Bank. All ATM fees in the US and abroad are reimbursed and there are no foreign transaction fees. That shady private ATM in the bar charges $5 per transaction? You are totally insensitive to it.

When was the last time you walked into a bank with a checking account question? You are here on HN so I assume it is rarely or never

But...it's a debit account, so if you need a credit card this may not fit your use case.

[atmz]

Seconded; not sure how easy it is to get one if you don't already have a brokerage account, but no annual fee, no foreign transaction fee, and no ATM fees is great. It's a debit card, but that's better for international travel, as you'll need to take out cash, and I don't think you can get credit cards that won't charge a fee for a cash advance.

(As an aside - never never change cash for travelling abroad, the commissions/spreads are ridiculous)

As for bitcoin, I feel that the volatility with respect to regular currency make a debit card not that useful unless you're an ideologue or want to speculate/easily get cash out