Just an update on Umbrella. My Umbrella Visa Debit card that came with my Basic Interest Checking account is still not charging me a fee for foreign ATM access. I withdrew 30 euros from an ATM in AMS and 150 shekels from an ATM in TLV on 11/4, and was charged almost exactly 1% above the rates listed that day on xe.com. So definitely no $6.50 fee. For me at least. YMMV, however, and I'd still be curious to hear about any experiences you have, Quokka.