Schwab. It’s the only debit card we use overseas. Fee reimbursement, no checking fee, no minimum, free checks, & bill pay doesn’t deduct until your payment has been cashed. As for deposit, just transfer from your existing checking account but pull it using the Schwab app (computer or mobile device) to avoid any fee your current bank may charge. If you receive a check that you want to deposit into your Schwab account, do a mobile deposit (requires a mobile device with camera). Transfers to/from Schwab have a daily limit of $100,000, while our other bank limits to $2,500.