Free checking with worldwide ATM reimbursements.
(1) Charles Schwab Free Checking reimburses ATM Fees Worldwide and comes with a Brokerage account too. (It's July 2008)
"Check CharlesSchwab dot com"
Online Checking Accounts: Online Investor Checking Accounts: Charles Schwab
(2) United Services Auto Association (USAA) members also get Free Checking with Free Worldwide ATM use but you got to be a member.(they have requirements)
"Check USAA dot com"
(3) There are whole other USA banks that I have relationship with (usually not a mainstream bank) that does only $1 for non-US ATM withdrawal and practically nothing besides Visa & MC conversions.
We're only talking about non-US transactions, aren't we? ATM refund in the US is common a whole lot of our banks.
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