I recommend going through fidelity. schwab is nice, but they are picky **** who LOVE closing out accounts if anything flags, then you’re stuck with nothing for 4-6 weeks till they send you a check for your balance. fidelity… they’ll do remote checks basically without limits as long as you call em. I’ve done a series of 2ks and a pair of 100ks, never an issue.
Going the other way round, on ATM… fidelity hits a 1%, schwab is a theoretical 0, but it works out to about 0.7%, but the risk isn’t worth the hassle. The 3% brigade (more or less all the other majors) are a complete joke. For wires, there’s HSBC, but their premier ain’t all that great, as you’re stuck with their shitty shitty rates. HSBC is worth it for the online wires without much in the way of limitations for like $30 a go due to lack of middleman fees. At a 1% rate vs. ATMs, eh, basically anything over $3k just do a wire unless you’re tapped.
