Some credit unions do charge ATM fees for non-network ATMs. However, there are also many internet banks that don't charge any ATM fees (and even reimburse the fees charged by the issuing banks ATMs, up to $4-6 month). I use everbank.com, and I'm happy with them, though I'm sure there are other internet banking outfits that also work well. They also only charge the 1% foreign exchange rate fee. I specifically signed up for that account to use for overseas ATM transactions.