This post was updated on Oct. 27, 2015.
Globe-trotters get the best deal with Schwab. It’s the only institution that offers interest-bearing checking with no foreign-transaction fees and no maintenance fees, and covers ATM reimbursements worldwide.
You’ll need to link your High Yield Investor Checking account to a Schwab One brokerage account. (The brokerage account by itself has a $1,000 minimum, but when the accounts are opened together, .)
Maintenance fee: $0
ATM fee: $0, with unlimited worldwide reimbursements
Interest on $5,000: 0.06%
Here are MONEY’s picks for the Best Stand-Alone Bank Accounts of 2015-2016: