This is the huge advantage of Schwab over other options I've explored, especially if you are a US citizen but work abroad as a digital nomad. I like CapitalOne,

This is the huge advantage of Schwab over other options I've explored, especially if you are a US citizen but work abroad as a digital nomad. I like CapitalOne, too, but they could not FedEx a replacement card to me when my card got eaten because of what they claimed was a security issue. Schwab could! Also, Schwab's customer service is top notch.