I called BofA again yesterday to ask what the 1% fee is called, exactly, and when it is applied. The rep I got was pretty clueless, had to research every answer. The 1% fee is, as stated before, an "international transaction fee" and, according to her, is assessed ONLY at ATM machines, not at the counter. Then she said that a foreign currency exchange fee of 1% is also assessed at ATMs, but not at the counter. That adds up to a 2% fee at ATM's and 0% at the counter. Sounds fishy. Maybe I'll call again today just for the heck of it and see what answers I get.