$5.00 is very greedy, even by the standards of banks based in the US. You may want to shop for another bank that has a lower or no out of network ATM fee if you use ATMs in foreign countries a lot (perhaps only as an account to load with money for traveling, if WF has other account features that you want to keep using as your primary account). Another option is if you have access to a bank that has subsidiary or associated banks in the countries that you visit that allow you to use their ATMs without additional fees.