I have a checking account and ATM card with Citibank. I was in Germany this spring and withdrew cash from my checking account at three different Citibank branches in three different cities in Southwestern Germany. When my Citibank statment arrived, I noted I was charged a 1% foreign transaction fee on one of the three withdrawals. I called Citibank and asked them why I had the fee on the one withdrawal (thinking it was an error) I was told there is a 1% fee on all foreign withdrawals at Citibank using their ATM card and that I would see the bill for the two transactions for which there was not an intial 1% fee. After two more billing cycles I have yet to be billed a 1% fee for the other two withdrawels. Go figure.