The unlimited ATM fee reimbursement from Charles Schwab is amazing, especially for international travel. My brother just spent 3 years living in Australia and was able to withdraw from Charles Schwab and then deposit into his Australian account with zero fees and a better exchange rate than any other service available to him.

If you are concerned about security, you can just leave a couple of hundred bucks in there for whenever you need cash and push funds to it from your main bank to top it up.