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Can't help with dirty history, but on paper Schwab is hard to beat. AFAIK Schwab and Betterment are the only two left that do worldwide ATM fee coverage.

My only downside with Schwab is the UI on their site. It seems very much geared to the boring investor, moreso than the checking account customer. Maybe some people prefer that, though.



Schwab's checking account has always been a loss leader for their brokerage so I imagine it'll stay that way. The mobile app isn't too bad though.




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