I believe etrade refunds ATM fees also, at least in the USA. Swedbank in Ukraine charges a $5.00 ATM, fee which they don't warn or tell you about.
One thing about using a US bank with foreign branches, is that if they are registered in that foreign country, that country can probably legally freeze your money in that account if they want.
Say, If Italy wants to confiscate some of your money, Citibank-Italy is not going to go to the mat for you, little fish, they're going to do exactly what the Italians say to do.
However, a company with no registration in Italy might no obey Italy's instructions to grab your account.
I'm guessing they can't do that if the US company has no offices in, say, Italy, and your account is in a US company.
One thing about using a US bank with foreign branches, is that if they are registered in that foreign country, that country can probably legally freeze your money in that account if they want.
Say, If Italy wants to confiscate some of your money, Citibank-Italy is not going to go to the mat for you, little fish, they're going to do exactly what the Italians say to do.
However, a company with no registration in Italy might no obey Italy's instructions to grab your account.
I'm guessing they can't do that if the US company has no offices in, say, Italy, and your account is in a US company.