Thought I would just add some experience with using BOA card in Europe (or Asia for that matter). I would run into problems probably 50% of the time when I was using the BOA debit card (Visa logo). I switched to regular ATM card 2 years ago and since then I have yet to experience a problem anywhere in the world. Doesnt matter if I use the "Glocal Alliance" ATM's or not. Sometimes I call ahead and let them know about my travel plans but if its last minute travel sometimes I forget and it still hasn't caused a problem. Maybe its just a coincidence but maybe the debit card is a source of some of these problems???