This is why I love my
Schwab Debit Card for international and domestic travel.
Schwab refunds all ATM fees and doesn't charge a FTF for foreign cash withdrawals (this is very rare for debit cards). There's no "qualifying" activities or minimum balance requirements either, you could move $500 to your Schwab account and withdraw all of it when traveling and not pay foconveinencer accessing cash.
Who knew? I have one and now it will be go to card when I travel. BOA sucks. I have been slowly moving stuff to schwab but this might just accelerate it.
As for cash I usually do big withdraws and just sit on the cash. Rates get better when you pull out more. Then when I go back I tend to have cash. Of course I go to the same places so it makes it easy. When I go to a one off place I tend to end up with useless currency. I have plenty of dirahms and turkish lira...........