Given the schwab account has the international ATM, that looks like the path I should pursue, along with a BOA or Wellsfargo account for COLD HARD CASH. Not a big fan of ATM 20's.
I use Schwab Bank exclusively and I am also am not a big fan of being limited by ATM 20's, and since I do not have any other bank accounts, which means I have no local bank account, here is how I deal with getting cash...
I learned that I can get a cash advance from the Schwab debit visa card (NOT a credit card) by going inside a local bank of which I am not a customer and using a teller, as opposed to going to the ATM. The benefit to getting cash this way is 1) you avoid the ATM transaction limit (which is usually $400 - $500 depending on the ATM), and 2) you can get whatever combination of denomination bills you want, whereas most ATMs only give you $20 bills, and 3) you do not have to pay an ATM fee. To be clear, this is
NOT a credit card cash advance, this is a debit card cash advance, the money is withdrawn directly from your checking account and there are no interest charges. I was not aware that a debit card cash advance was an option until it was explained to me by a very helpful Schwab customer service rep. I should also note, based on my research, that most U.S. banks do offer debit card cash advances, but a few don't, including Citibank and Suntrust (again, based on my research, not based on personal experience). I can only say from my personal experience that there is a Chase branch close to me that does provide the service.
Regarding the cash advance fee, the local bank from which you draw money is still charging a fee through the visa cash advance system (although it is a debit card cash advance, it uses the visa cash advance system), and that fee is being paid by Schwab to the bank as a fee for using them to advance cash to you, but the difference is you as the customer do not see the fee and do not pay the fee, it is being paid behind the scenes between Schwab and the local bank. This is different from the situation where you use the ATM and you do have to pay a fee (usually $3) and then you get an entry on your statement for $303.00 when you withdrwaw $300 from an ATM, and then at the end of the month you get a $3 credit from Schwab for the fee. The benefit to using the card as a cash advance is for spreadsheet nerds like me, when you get a cash advance, you only see a $300 transaction on your statement and it is much cleaner from a bookkeeping perspective and there is no need to account for the $3 with another transaction to balance out your records.
Here is another tip: Some banks are now deploying newer more advanced ATMs that have higher cash limits, and allow the selection of different denominations of bills, not just $20s. For example, I recently went to a local Chase branch that has a newer free standing ATM inside the lobby next to the teller windows as well as an ATM outside built in to the wall of the building. A teller inside the bank explained that the cash limit for the outside ATM was $500 whereas the cash limit for the newer machine inside the lobby was $3,000. (I speculate that the cash limit was higher for the ATM inside the lobby because it was in a more secure location only accessible during normal lobby operating hours so there is a lower risk of theft or vandalism, and they want to encourage people to use the ATM instead of the tellers for more transactions, and it was clearly a newer machine with more features) I was able to use the inside ATM to withdraw cash over $500 and get different denominations, the only denomination that I wanted that it did not have was $50s, but I was able to go to the teller window after withdrawing my cash and exchanging some of the $20s for $50s.