Israeli Credit Cards / Debit Cards

Charles Schwab Visa Platinum Debit Card (Charles Schwab ATM Card, Schwab Bank High Yield Investor Checking Account) Review

Many people need to travel abroad frequently, and they usually ask the question: what is the best debit card to withdraw cash from ATM abroad? We all know that in some countries, credit cards are not as broadly accepted so you often need cash. However, most debit cards have exorbitant fees when withdrawing from privately owned ATMs or those of different banks, not to mention foreign transaction fees. Charles Schwab is a magical bank, the Charles Schwab debit card has NO ATM fees worldwide!

Application link:

• Charles Schwab Debit Card $100. Click “Open an Account” and then choose “Schwab Bank Checking Account”.

Features:

1. $100 sign-up bonus without any requirement, just use the above link to open the account. It is a referral program but the referrer does not get a bonus so you can just use the link above!
2. NO ATM fees worldwide! Sometimes the ATM side will charge you a fee, but Charles Schwab will reimburse these fees in the end of the month, this guarantees that no fees will be charged in the end!!!
3. When you withdraw cash abroad, you can get local currency automatically, according to the exchange rate on the day, which is very convenient!
4. Almost completely free of charge, no minimum deposit requirements.
5. This debit card is a Visa card, so you can withdraw cash from almost every corner in the world.

Disadvantages:

1. Applying for this Debit Card will result in a Hard Pull (HP) on Equifax (EQ).
2. Daily ATM withdrawal limit: $1000.
3. The checking account is associated with an brokerage account, and in order to get the debit card, you must also open the brokerage account. But it is totally free of charge, so it’s fine.
4. The online application is only for U.S. persons, if you are not, you have to go to a local branch to apply. About whether or not you are a U.S. Person, please refer to How to Distinguish Different Tax Status.

Summary:

This debit card is a must-have if you need to travel abroad! Though they are better known for their investment products, their debit card is really fantastic. It is similar to the Fidelity Check Card, you can compare these two and choose one of them. The main difference is that the Fidelity Check Card has a 1% Foreign Transaction Fee (FTF), while the Charles Schwab Debit Card doesn’t. Also, applying for the Fidelity Check Card does not result in a Hard Pull and the ATM withdrawal limit is $500, as opposed to $1000 for the Charles Schwab.

Application link:

• Charles Schwab Debit Card $100. Click “Open an Account” and then choose “Schwab Bank Checking Account”.

• The bottom line

  • With no fees or minimum balances, High Yield Investor checking and savings accounts offer stress-free banking.
  • Its ATM coverage is superior to most competitors.
  • Interest rates on High Yield Investor checking and savings accounts are low, but they’re stellar on certificates of deposit.
  • The difficulty of depositing cash and lack of branch access mean Charles Schwab isn’t for everyone.
  • Be aware the bank will do a hard inquiry on your credit when you apply for an account.

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