I have a Bank Direct online checking with interest account (AA miles for opening and on interest - thanks FT!) and it has the best deal out of all my cards and banks (I don't have a Capital One) - the ATM fee is only for whatever the foreign ATM fee is (they reimburse up to 4 for US transactions), and their Visa debit card just passes along the Visa 1 percent. If I wanted another CC I would get the Fidelity MBNA, but I don't.

I'm imagining that foreign ATM fees aren't going to be over $10 US, so at worst I would be charged 1 percent for $100. Oh, that's not right. That would be 10 %! I wouldn't get just $100, but I wouldn't get $1000 either, which would get it down to 1%. Maybe not such a good deal. But my other ATM card (Chase) charges $3 plus 3%, which just seems exorbitant.

Can someone tell me the range of ATM fees I might encounter?