Intl ATM fees for many US banks

#1
The original is here.
Card Issuer
Network
Account Name
Total Fee
Notes


American Bank Online (pcbanker.com)
Visa/Plus
Checking
1%
Reimburses ATM-owner fees within limits


Bank of America
Visa/Plus
Checking/Advantage
1% + $5/transaction
No
fee at Barclays (United Kingdom), BNP Paribas (France), Deutsche Bank
(Germany), Santander Serfin (Mexico), Scotiabank (Canada), Westpac
(Australia and New Zealand). Rules may vary, so be sure to check. No
fee at the above listed banks only valid in the bank's home country.


Bank of Internet (bofi.com)
Visa/Plus
Senior checking (other account types similar)
0%
Reimburses ATM-owner fees within limits


Capital One
Visa/Plus
High Yield Money Market
0%
Money market accounts limit number of withdrawls to 6 per month.


Chase
Visa/Plus/Interlink
Checking
3.5% + $3/transation




Chevy Chase Bank
Visa/Plus/Star
Checking
3% + $2/transation




Citibank
MC/Cirrus
All checking accounts reported so far
0% at Citi-owned ATMs; 3% + $1.50/transaction at other ATMs
Fees
are as of December, 2006 according to Citi, but multiple reliable users
(including Citigold customers) have since reported being charged 1%
even at Citi ATMs in several countries. Fees may be waived for Citigold
accounts and some others. Rules vary, so be sure to check the rules for
your particular account and be prepared for reality to differ from what
Citi tells you.


Commerce Bank (based in NJ)
Visa/Plus
NY Yes Checking
0%
Reimburses ATM-owner fees within limits if you maintain minimum balance of $2500


E*Trade Financial
Visa/Plus
linked to investment account via money market
1%




Everbank.com
Visa/Plus
Checking
1%




First Internet Bank of Indiana (firstib.com)
Visa/Plus
Checking/Savings
1%
Reimburses ATM-owner fees within limits


GMAC Bank
Visa/Cirrus
Money Market Savings
1%
Reimburses ATM-owner fees within limits


HSBC
Cirrus/Maestro
most US-based checking and savings accounts
1% at HSBC-owned ATMs; 1% + $1/transaction at other ATMs
Some fees may be waived for HSBC Premier Accounts


HSBC
Cirrus/Maestro
HSBC Direct online savings (US)
1% + $1.50/transaction




INGdirect Electric Orange
Cirrus/Maestro
Electric Orange Checking(US)
3%
Website indicates 2% + MC fee, also you may need to call them before leaving the US so your card is not declined


Netbank
Visa
All NetBank Accounts
1% when used as a Visa, 0% when used through non-Visa ATM network




PayPal.com
Visa/Plus
Premier/Premium
1% + $1/transaction




PNC Bank
Plus
Business checking and money market accounts (except Free Business Checking)
0%




PNC Bank
Plus
Free Business Checking
2.5% + $2/transaction




PNC Bank
Plus
Free Checking
0% + $3.50/transaction
PNC fee waived and ATM-owner fees reimbursed (up to a monthly limit) if avg. monthly balance is at least $2000


Presidential Online Bank
Visa/Cirrus
Checking/Savings/Money Market
0%




Schwab
Visa/Plus
Schwab One
1%
Reimburses unlimited ATM-owner fees


Simmons First National Bank
Visa/Plus
Checking/Savings
1%




State Farm Bank
Visa/Plus
Personal Checking/Interest Checking
0%
Reimburses ATM-owner fees within limits (no reimbursement limit if there is a direct deposit once ever 45 days)


The Golden1 Credit Union
Visa/Cirrus
Free Checking
1% + $1.25/transaction




Umbrellabank.com
Visa/Cirrus
Basic Interest Checking (other account types similar)
1%
Reimburses ATM-owner fees within limits


U.S. Bank
Visa/Plus
All accounts
3%




USAA
MC/Maestro/Cirrus
No Fee Checking with Rewards
1%
Reimburses ATM-owner fees within limits


Verity Credit Union(WA)




1%




Wachovia
Visa
Checking/Savings
1% + $2/transaction




Washington Mutual
MC
All accounts reported so far
1% + $2 to $3/transaction (depending on checking account type)
as of 3/01/07


Wells Fargo
Visa
Checking
3% + $5/transaction
 
#2
HiNice list there but is it really accurate?I sorta doubt that there really is such a thing as a 0% fee cause every time you withdraw money at an ATM in one country from a bank in another country you're paying those currency exchange rates and I myself have noticed that sometimes a higher exchange rate is substituted for a seperate fee on a withdrawal.
 

Matty

Active Member
#3
Thank you Igor. This will help us alot. It is our own responsibility to check if the info is indeed correct and what variations to the list applies to our each particular case. We know you cannot do everything for us and check accuracy for every single item listed here. But we appreciate your taking the time to create and share this with us. Kudos!
 
#4
I believe 0% here means 0% below interbank exchange rate they are getting money themselves. There still is a spread between buy and sell prices but it is much smaller than what you'd get according to exchange rate offered to general public.
"Elpanada" said:
I sorta doubt that there really is such a thing as a 0% fee cause every time you withdraw money at an ATM in one country from a bank in another country you're paying those currency exchange rates
 
#5
"igor" said:
I believe 0% here means 0% below interbank exchange rate they are getting money themselves. There still is a spread between buy and sell prices but it is much smaller than what you'd get according to exchange rate offered to general public.I sorta doubt that there really is such a thing as a 0% fee cause every time you withdraw money at an ATM in one country from a bank in another country you're paying those currency exchange rates
That sounds too good to be true. Can anyone confirm this?