if you have a Bank of America account, China Construction ATM usage will not result in any fees. I have also never had a problem with any China Minsheng Bank machines or at Bank of Telecommunications machines. BoC is touch and go, and while ICBC is a bit better, there has been the odd machine that has not accepted my card. Agricultural Bank machines are worthless.

I will say that my experiences have been in Beijing, Shanghai and Dalian for the most part, but not Xiamen. Be sure to tell your bank you will be in China. Cheers.