Lots of smaller regional banks pay ATM fees, as they don’t want to run their own fleet of ATMs. And they have local branches when you need it, like for a cashiers check.
Worldwide? I find that difficult to believe.
TD requires a minimum balance to refund fees, don’t they?
Is it really few? I’ve never had a bank that didn’t. Three university federal credit unions, then later TD Bank.
Credit unions are usually more consumer friendly than for-profit banks.