What makes the Fidelity Cash Management account & its associated debit card so good?
ATM fee reimbursement - use any ATM, worldwide, and get the fee reimbursed
no foreign transaction fees - use your debit card for purchases internationally and don’t pay an extra fee
The foreign transaction fee thing isn’t particularly important to me since I use credit everywhere, but it may come in handy if my credit cards don’t work for some reason.
So for me, I don’t need to care which ATM I use, I just use whatever is most convenient. They do have an ATM network, but that just saves Fidelity some money.