<prompt> Human: Hi rPersonalFinance!Similar to many others on here, I am looking to shut down all of my Wells Fargo accounts and would love some input on which banks or credit unions in the San Francisco Bay Area would be the best match given the following info:I travel internationally for work quite frequently foreign ATM fees...I keep a modest amount in savings, but typically invest insteadI do not need a credit card from the bankcredit unionI only need a checking and savings accountThanks for any advice.  <response>: Schwab Bank is the way to go. They have a handful of actual branches in the Bay Area, reimburse all ATM fees, and dont have the 3 fee for transaction in foreign currencies. You get the true Visa exchange rate which is pretty much the best available. Nothing not to like. 