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Best Banks' Cards for Travel?

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Hi, I'm a college student travelling to Germany in about 2 weeks - if all goes as planned - and I read I should bring a debit card. I'm worried about using ATMs abroad and getting stuck with huge fees. I've never travelled to Europe or used a debit card before, so this is all new to me! I'm sure there are things I haven't thought of or misunderstood when I was looking this up! I'm from the U.S.A. and I understand that Visa or MasterCard would be the best bets. (I have applied for a Visa Credit Card already.) I've checked online and found these four options which look good:

1) USAA Debit MasterCard with Free Checking Account
2) State Farm Visa CheckCard with Personal Checking
3) PNC Bank Visa Check Card with Free/Student Free/Performance Checking
4) Presidential Visa Check Card with Internet/Regular Checking

I would really appreciate any opinions or information anyone has about these or other options. I just want to use the card abroad in Germany, several days in Venice (hopefully) and maybe a day or two in Switzerland or Austria.

My wish list is:
1) Doesn't require large balance in the account. ( Prefer less than a thousand.)
2) ATM fees for foreign transactions, converting currency and using other banks' ATMs small or nothing.
3) Same for foreign transaction fees for using the card as a credit card to make purchases. (I'll probably still use my credit card for purchases, so this is not a deal breaker.)
4) Bank doesn't stop purchases on card after you notify them you're going to make purchases in Europe.
5) Low liability if notify bank of theft of card as soon as discovered.

Thank you!

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