@Todd ********

no monthly fee, I'm against paying fees to anyone or anything.

I didn't take 2 minutes to compare exchange rates, instead I took 1 minutes, and the Google rate vs. rate I got, was on $300 worth of baht or dong or peso, worked out to be 87 cents.

$300 google, my cost is usually $300.87.

So yes, there's a cost on the exchange approx 29 cents per $100

@Andrew *******

I live here, I use ATM at zero costs to me

Both fidelity and Schwab do not charge an ATM fee, plus the reimburse you the ATM fee's other banks charge, so flat out zero cost 👍

Why even waste time opening a bank account, use your home country ATM where they don't charge fee's, and reimburse you for the ATM fee's the international bank charge's