I use Ally bank, it's an internet
bank that has minimal deposit requirements. In the US all ATM fees
are paid back to me monthly. For international ATM use the rule
Will I pay a fee for using an ATM in a foreign country?
If you use an ATM in a foreign country, you may be charged a fee of up to 1% of the transaction amount for the currency conversion and/or cross border transaction. Ally only reimburses ATM fees charged by other banks if the ATM is in the US.
My primary "home" address is through a family member
that can expediently next day air out a new card if lost
or becomes inactive. When traveling, Ally allows me to have a "seasonal address" for six months where they will send replacement cards... so the family
member back up address, is simply a back up address.
As with all banks, I alert them in advance to my travels.
Ally has regulations
on the max withdrawl per day, but If I need to tap greater than that at a bank or ATM, I simply call them and the funds are released in the same business day if I call before noon, next day after that.
No fees and great customer service
I have used them since I became a travel nurse, and am never in the same place more than 13 weeks.. no issues... aside from the 1% international fee.