My long run problem is using the Netbank ATM card overseas. I expect that in the next 90 days my ATM FX conversion fee will go from 0% to the 3% ING charges. Due to my travel patterns, the ATM conversion fee and ATM fees have a far greater impact than a low FX fee credit card. I am considering Everbank (1% FX fee). Any recommendations ?

PS I have been rereading the fantastic wiki. Great info on FX fees.

PPS Off topic - Since I will need to get a new bank, I am also reviewing credit cards. I have a credit union Visa card with the 1% Visa fee and a Starwood Amex (2% FX offset with Starwood points). The Capital One cards seem the best for FX but there seems to be a large number of complaints posted on the Internet. Any feedback/recommendations?