<prompt> Human: Im a current graduate student, so Im not looking for investment advice or anything fancy. Ive got a Bank of America checking accountdebit card, savings account, and credit card, but I do travel a lot family in W. Europe, and Ive been frustrated to learn that even the supposed partner banks of B of A still impose fees for ATM withdrawals. I heard that Schwab has a no-fees policy, but Im not sure if theyre full-service and have all of the basics Im looking for and currently have at B of A, or if theyre more investment-focused.Im a total n00b when it comes to personal finance, but Im hoping someone out there can advise. Thanks in advance!  <response>: Charles Schwab High Interest Checking. See the current stickied post at the top of rpersonalfinance for a discussion about this account. 