Schwab provides this with a brokerage account, ATM card as well. You can’t write checks abroad but the debit card will be fee free

do you know anything about the fidelity card I already have a Roth through them so would be easier?

I would recommend using a 0% FTF credit card if you can. The extra layer of protection offered by the credit card is very helpful when you're in a foreign country and have a higher likelihood of getting scammed or having the card be lost/stolen. Assuming you'll be traveling during the downtime between classes, the insurance on rental cars, plane/train tickets, lost luggage, etc. may come in handy too.

There's tons of 0% FTF cards with no annual fee but Capital One and the Amazon Prime card come to mind if you don't have an extensive credit history yet.

I have the same with fidelity. I can’t remember exactly, but there is a FTF. Schwab doesn’t have any so I’ve always used that one.

I currently have the Wells Fargo autograph credit card which is ok and doesn't have any foreign transaction fees, but my checking accounts through wells fargo all have a 3% FTF and I've kinda been wanting to switch away from WF anyways.

okay, so you have an account at Fidelity and use Schwabs checking account. Why not just transfer your fidelity account to Schwabs? I think that's what I would do if I decide to go with Schwab.

What do you envision paying with your checking account? It's one thing if your study abroad is in a developing/cash-based economy, but if for example it's somewhere in Europe or most of Asia you can use a credit card for 99% of transactions. It's of course nice to have a small amount of cash on hand, but in amounts that a 3% transaction fee isn't worth the hassle of setting up a new account.

You’re asking about using a debit abroad, not transferring funds.