We met up with some people traveling that clued us in about the BoA/Scotiabank partnership
which works nicely in the Caribbean
. Basically with a BoA ATM card you can use Scotiabank ATM's like they were your own - no external ATM fees
and no international bank fees/currency fees
We learned though too late, we were out of the states. We tried to open a Scotiabank account in St. Martin but were not allowed since we weren't residents. So I went back to BoA - whom I've been trying to extricate myself from for years - and opened an eBanking account which is free so long as you don't ever use a teller (not a problem for us on the boat). So that is now set up and working and I can pull out 1,500 XCD's (or the local max equivalent) every day if I needed to so long as we are someplace with a SB branch.
CapitalOne Cash Rewards World MasterCard is what we use for any credit purchases, as it is 1.5% cash back, also with no foreign transaction fees which is like another 3%. From my conversations with BoA I learned they have a Travel Rewards Visa that basically behaves the same way, so I converted my BoA MC to one of those too.