I have lived outside of the US for 6 years and can hands down recommend Charles Schwab Bank. All ATM fees in the US and abroad are reimbursed and there are no foreign transaction fees. That shady private ATM in the bar charges $5 per transaction? You are totally insensitive to it.

When was the last time you walked into a bank with a checking account question? You are here on HN so I assume it is rarely or never

But...it's a debit account, so if you need a credit card this may not fit your use case.