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Capital One, Wells Fargo, Schwab Credit and Debit Cards

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WELLS FARGO: For our upcoming trip to Italy I checked with Wells Fargo and confirmed they charge $5 a pop for ATM withdrawals and 3% on top of all foreign transactions. The only piece of good news is that they let me increase the debit amount to thousands rather than hundreds, so we wouldn't have to get socked with the $5 fee as many times. Most of our B&Bs want cash and gave us a discount, so we need to be able to get cash from ATMs.
CAPITAL ONE VENTURE CARD: Several posters recommended this card, which I have. I confirmed that they have ZERO foreign transactions fees...sweet. However, when I tried to open a new checking account with debit card (as several posters have recommended) she told me that they have a new policy of only allowing new accounts to be opened at a bank branch (not over the phone or online as before). The only glitch was...there ARE no Capital One banks in California! It sounds like a great way to go if there is a way get a debit card in your state, however.
SCHWAB: Another poster recommended Schwab. We have all our retirement funds with Schwab. They were wonderful about opening a checking account with debit card for us, with ZERO fees! This can take up to 4 weeks, though..but is just in time for us.

Thanks for all the great advice - wanted to pass along to others what I just found out.

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