| A | B | C | D | E | F | G | H | ||
|---|---|---|---|---|---|---|---|---|---|
1 | Debit Card Bank/Credit Union | Foreign Transaction Fee | Point of Sale (vs ATM) Fee? | External ATM Fee | International Fee | Reimburse domestic ATM fees? | Reimburse international ATM fees? | Notes | |
2 | Charles Schwab | 0% | $0 | $0 | yes | yes | Reimburses: ONLY cash withdrawal fees. 1% VISA ISA fee (if assessed) absorbed by Schwab. High Yield <g> Investor Checking account requires linked free brokerage account, Savings account does not. No min bal or monthly fee. Chip and Signature + Online Pin (no offline Pin) | ||
3 | Fidelity | 0% | $0 | $0 | yes | yes | Cash Management Account "foreign transaction fee of one percent is not waived"? https://www.fidelity.com/cash-management/faqs-cash-management-account Charges a 1% FTF on SOME transactions. This only applies to purchases, not ATM withdrawals, despite what their fine print says. | ||
4 | First Republic Bank | 0% | No | $0 | $0 | yes | yes | Fee free account requires avg. daily balance of $3,500 | |
5 | Radius Bank | 0% | No | $0 | $0 | yes | yes | Passes on MasterCard 1.1% foreign transaction fee | |
6 | TD Bank (premier/relationship) | 0% | No | $0 | $0 | yes (w/$2,500 min bal) | yes | $25 fee/mo waived: Premier: $2,500 min bal; Relationship: $20,000 min bal | |
7 | Chase | 3%* | 2.5* | $0 | no** | no** | 4 free non-Chase then $5 each. *$5 international **Forex waived and fees reimbursed for Chase Private Client. | ||
8 | TD Bank (all other checking) | 0% | No | $2 | $0 | no | no | Simple: $5.99/mo; Convenience: $100 min bal avoids $11/mo fee; Student: student under 24 yrs, max 5 years - no/mo fee; 60 Plus: over 60, $250 min bal avoids $12/mo fee | |
9 | Wells Fargo | 0% | $5 | $0 | no | no | External fee waived for Wells PMA (2/mo max) | ||
10 | Paypal | 1% | 1% | $1.50 | $0 | no | no | ||
11 | PNC | 2% | $3 | $0 | no | no | |||
12 | Citibank | 3% | $2 | $0 | no | no | External fee waived for Citigold | ||
13 | Bank of America | 3% | $5 ($0 if Global ATM partner) | $0 | no | no | http://en.wikipedia.org/wiki/Global_ATM_Alliance | ||
14 | Capital One/Capital One 360 | 0-1% | $2 | $0 | no | no | ONLY Allpoint ATM fee, if any, reimbursed. brick+morter vs online (360) VERY different! "Capital One 360 will not charge you a fee, but be aware that the ATM owner may" helpcenter.capitalone360.com/Topic.aspx?category=EOCARD4#FBNKEOCD18 360 may charge 1% FTF per comments on http://thepointsguy.com/2014/02/the-top-11-checking-accounts-for-avoiding-foreign-atm-fees/ | ||
15 | Ally | max 1% | 1% | $0 | $0 | yes | no | ||
16 | penfed credit cards | none | n/a | asia (none) | $0 | n/a | n/a | ||
17 | State Farm | 0% | No | $0 | $0 | $10/mo max (or unlimited w/direct deposit) | $10/mo max (or unlimited w/direct deposit) | Reimburses: Cash withdrawal, balance inquiry, etc fees. May not reimburse: 1% VISA ISA fee (if assessed). Domestic fees refunded automatically; international may need to be requested. Requires "brick-and-mortar" bank account to link to State Farm account. No min bal or monthly fee. No Chip. www.statefarm.com/finances/banking/manage-your-accounts/account-access/atm | |
18 | 100 | 11900 | |||||||
19 | 2398.086 | ||||||||
20 | 23.58333333 | ||||||||
21 | 3018.24 | ||||||||
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