This is the way! +1
Why not just use Schwab's debit card (or any other card that refunds ATM fees) and withdraw right at the ATM? Eliminates the human factor, available at all hours, saves time.
Btw, one of the benefits of using a card to withdraw cash is that it allows you to withdraw at the peak rate. The card networks set the rate only once a day, based on the previous day's lowest interbank rate. So, if it's not an emergency withdrawal, you can just wait several days until you see the current interbank rate drop below the card's day rate, and only then go and withdraw (=getting the previous day's rate, fully knowing tomorrow's card rate is going to be worse).
Of course, there's no guarantee beyond those 24 hours (it might climb right back up a day later), but it's still a huge perk, especially when the rate swings wildly.