Regarding your daily withdrawal limit: many machines set a daily limit so even though your Schwab account may offer up to $1K withdrawals, the ATM itself may not. Sometimes they tell you the limit (I see $500-600 fairly often) though other times you’re left guessing. You can work around this by making a second withdrawal at a different ATM, something simple to do in Macau but potentially a downside in remote areas that might not have a second machine nearby.
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While I'm grateful for free ATM transactions with Cap. One, it's very mportant to know that live customer support is limited to daytime hours in the United States. If a transaction is refused, you are stuck until they open back in the US. Also you can't use mobile deposit outside of the US, even if you have a US bank check to deposit. The ONLY advantage for travelers with this account is with the ATMs. Otherwise, this account can end up being more of a liability. It's great back in the US, but not for overseas travel.
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