Crazy-ass trip report

We were switched to Schwab in September. Like you, we have been thrilled with the ATM fee refund.

In December, I used the INBURSA ATM exlusively, and no reimbursement. So, in January I finally called Schwab. They could find no trace of a charge for the ATM use, credited me $20 anyway and suggested that I get and keep receipts for future reference.

Used INBURSA twice Saturday. According to the receipts, no ATM charge.

What are you seeing???