+1 for chipped card.
As an aside, I have had two fraud issues on my cards and both have been caused domestically (one was Target and the other I assume was because I swipped my CC in a taxi in NYC). I travel to Europe frequently and have not had any issues even without chipped cards.
As an aside...when did BoA stop offering free foreign ATM withdrawls with their partners? Was just in Germany in Feb. and I don't remember paying a fee for a Deutsche Bank ATM withdrawal.