I have been living outside the US for 4 years now, and for the first 1.5 years I pretty consistently (as in, every month) used my www.firstib.com bank ATM card

I have been living outside the US for 4 years now, and for the first 1.5 years I pretty consistently (as in, every month) used my www.firstib.com bank ATM card to make withdrawals all over asia, and they never even once blocked me. They also have interest-bearing checking, and US ATM withdrawals are reimbursed. I forget if international withdrawals are.