I say Capital One 360 is the way to go except for countries charging ATM operator fees (AFAIK just US and Canada). No need for travel notice. Transaction post immediately and you can easily check on app. Rate has been in sync with xe.com.

With Schwab, I've definitely have been declined multiple times sometimes even if travel notice was set beforehand but all declines occur while in Canada of all places. Took 10-15 minutes on the phone to sort out; which is a pain in foreign countries. Transactions take several days to post.