Charles Schwab; Alyssa Powell/Business Insider Charles Schwab Bank (member FDIC) offers a savings account, checking account, and brokered CDs. Interest rates are comparable to brick-and-mortar banks' APYs, but low compared to online banks' rates. The bank is convenient for frequent international travelers, because it offers unlimited out-of-network ATM fee reimbursements worldwide, and it doesn't charge foreign transaction fees. Charles Schwab doesn't require an opening deposit or charge monthly fees, and its savings account comes with a debit card. See Business Insider's picks for the best high-yield savings accounts » Charles Schwab Bank is the banking operation of Charles Schwab Co., which is primarily known for its investment accounts.