It's called Geofencing! Though VPN masks or assigns different IP Addresses, it cannot mask the routing table (where the request originated) and a company (many do this) can restrict that access attempt based on its geographic origin. My experience has been in Thailand this renders VPN pretty much pointless most of the time.
I use my Schwab exclusively for atm cash withdraws as they refund all the fees. Not exactly your question but the amount of money on atm use fees isnβt trivial. π