<p>depending on where in Philly you will be B of A may or may not be convenient for you. Check their website and look up locations of the bank and their policy with using out of network ATM.
HSBC has only 1 or 2 branch offices, check out their out of network ATM policy.</p>
<p>FWIW, I use PNC, they are not a (inter)national bank, but they have lots of branch offices and you can withdraw free at all Wawa locations. You don’t know Wawa yet, they are a Philly thing, but you will know them once you get here.</p>