OK then. It sounds like Schwab is the least expensive option and has service with no hassles. I'm waiting on a reply from Morgan Stanley where we already have an account. If they don't provide the services described, I'll open a Schwab account just for Mexico. You all have been great. Thanks and see you soon.
You're forgetting the third way that institutions can make money on using their cards; the exchange rate. You need to see how competitive Schwab's xchg rate is, compared to other means.