I'm a happy Schwab customer. Their app isn't what you would call simple, but you can do almost all your investing and banking there (I say almost because I own some physical assets) and they refund ATM withdrawal fees.
Most importantly, they do this (as well as priority mailing replacement cards) globally. I have yet to find another bank besides possibly Fidelity's checking account (?) that does this with no stated limit. It's invaluable for those who travel abroad to have access to local currencies with no hassles and a refund of all fees.
Plus the foreign ATM fee refunds and no foreign transaction fees. It's amazing.
The banks that do that, usually also have the worse investing options (e.g. Schwab, HSBC...)
No, actually that is pretty rare. Getting unlimited domestic and international ATM fees reimbursed is not the norm.
> specially after you are over an amount in account
But that's just the point you're missing. Schwab does it at $0, not $1,000,000.
> Usually also have the worse investing options
Eh? Are we talking about the same company here? Schwab has an enormous array of investing options, given that their main business is that of a brokerage.
> HSBC
Also eh? When did HSBC become remotely competitive in the brokerage space? (And isn't HSBC winding down their US operations?)