<prompt> Human: Im planning to switch my current checking account from Bank of America to Charles Schwab High Yield Checking account. I see on the terms that they do reimburse ATM fees, my question is the following very stupid btw:Does this mean I can use any ATM and not get charged for by the owner of the ATM and by Schwab? Still use Bank of America ATMs free of charge?Is it also true for hotel and gas station ATMs where there is a service charge?  <response>: Besides their seemingly-flawless, always available over the phone customer service, the ATM refund is one of the greatest things about Charles Schwab bank.Youll never look back at BoA again. Trust me. 