Thanks for the discussion, guys. I've certainly picked us some good tips. I'll read the screens carefully on the ATMs to make sure I'm getting what I think I'm getting!

FWIW, I find it harder and harder to just pay 1% at ATMs when I travel. The golden age of easy ATM money seems to be over, as everybody is fee happy and trying to make a buck on the foreigner. At least the rebirth of the no-foreign-transaction-fee credit card makes the need for cash a little less.