I just registered on this forum since I will be doing some travelling and here's what I got from Bofa CSR. I contacted three bofa reps (2 times on the phone and one time by email) and got 3 different answers. It's so strange, no one at bofa can get the right answer. Here are the three answers I got.

1. 2% fee for ATM withdrawls with NO access fees. 4% fee for debit card and credit card purchases. I asked her about access fees at non bofa atm's and she said there were none?!

2. 3% fee for both ATM withdrawls, debit, and credit purchases. $5 access fee for most non Bofa atm's. $0.00 access fees for Bofa atms and a list of other banks which I will list in a moment.

3. Per my understanding of the email reply, 1% fee for ATM cash withdrawls with either a $5 access fee or $0.00 acess fee. 3% fee for credit or debit or pos purchase sales.

I quote in part the email reply:

"Please note, that the International ATM fee is $5.00. This fee is
assessed for each withdrawal, transfer or balance inquiry performed at a
non-Bank of America ATM or non-Global ATM Alliance bank located in a
foreign country.

An International Transaction Fee of 1% is charged for each cash
withdrawal made with a Bank of America Check Card in a foreign country.
The fee will appear as a separate transaction posted on the same date as
the purchase transaction.

Customers receive an additional 3% Foreign Currency Conversion
Adjustment for Check Card point-of-sale purchases made in a currency
other than U.S. dollars. The fee is assessed to help recover costs of
processing the currency exchange for Check Card purchases. The 3%
Foreign Currency Conversion Adjustment is applied to the converted U.S.
dollar purchase amount and is posted to your account on the same date as
the purchase transaction. The fee appears on transaction history and the
statement as a separate transaction following the purchase.

For your reference, while traveling outside the United States, you can
avoid the $5.00 access fee and the transaction fees by using an ATM at
the following banks in these locations:

- Barclays - United Kingdom
- China Construction Bank - China
- Deutsche Bank - Germany
- Scotiabank - Canada
- BNP Paribas - France
- Westpac - Australia and New Zealand
- Santander Serfin ? Mexico."

SO...WHICH OF THE THREE ANSWERS IS CORRECT?