I've been with Schwab for 10 years, and for the past 3 yrs full-timer in MX . They do everything they say they will, all ATM fees refunded monthly. I do maintain investment accounts and their Investor Checking. I can deposit my USD checks into my CI Banco bank, no problema, in 48 hrs, pesos are credited. But I use the ATMs at Banamex, Banorte also, no problems. Schwab knows I'm in at Lakeside 11 months/year, tho I do have a US address but no documents ever go there, everything comes in my email inboxes. All the features you'd ever want, Intl Wire Transfers, Bill Pay, etc... IMO, they're the best.