Thanks for the info. Schwab has an on-line High-Yield Investor Checking Account that refunds all ATM charges and charges no foreign transaction fee. It includes a VISA Platinum Check Card. There's no minimum balance, so we'll just add to the account before any foreign trip; otherwise, we;ll just leave a small amount in it at other times, although whatever money is there will earn 4% interest. Seems like a good way to say all those added fees that banks & credit card companies seem to love to tack on!