A note from Sarah Page: Scott originally wrote this post about the Schwab Bank High Yield Investor Checking Account debit card in March of 2014. I am re-posting it now as a reminder to all of you who haven’t jumped on this train yet–get one now! I have saved so much in ATM fees over the years, especially the last few weeks traveling around Europe when I’ve needed more cash for small transactions. I’ve also never had trouble withdrawing money from any ATM, no matter what country I’m visiting! Notes added on the original post by me are scattered throughout in bold font.  
They always have charged a fee. They are not a company hiring people to work at home, their site is a job board that posts hundreds of work at home/flexible jobs every day that you can browse, and it’s not free to access. They work with a ton of legit employers to find candidates, and the reason they charge a subscription fee is because they do not use advertisements on their site for making money like many other websites.
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Like with many (most?) checking accounts these days you will not accrue interest on your deposits. But that’s a small price to pay with what you save on using the card abroad. Instead, they do offer an option to invest your money in one of three simple investment plans, which over time should give you a much better return than the interest offered by most banks anyway.
When applying for your Schwab checking account, you will also be required to open a Schwab brokerage account if you don’t already have one. This brokerage account is opened automatically when you open a Schwab checking account, but don’t worry: the brokerage account is free and has no minimum deposit or fees. Schwab may do a credit pull to obtain your credit report in order to be approved for an account. This is the only drawback of the Schwab debit card, but considering you don’t need to pay any extra or put any money into the brokerage account, it’s not a deal-breaker. I leave my brokerage account empty and go on my merry way, getting reimbursed for ATM fees worldwide.
In the mean time, are you a good writer and do you enjoy writing about money (making and saving money) related matters? I ask because I am actually looking for a freelance writer to help us writer more articles like this. If you’re interested, I’d be happy to give you a quick trial period to see if it works for both of us. Though you need a basic understanding of SEO as well.
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