THE ULTIMATE WORLD WIDE MONGERING CARD
All of these possibilities are OK, but don't forget that even if your bank of choice doesn't charge an ATM fee, the ATM you actually use will, if it's not a specified one or a branch. Also they almost all charge a bank fee, or foreign transaction fee.
I'm speaking from the perspective being a citizen of the USA, but if you get a Charles Schwab investor checking account they will never charge an ATM fee, they never charge a bank or transaction fee, they always reimburse for any ATM fees (there is no limit), at any bank or Credit Union, anywhere in the world. There is no account fee, there is no minimum fee. You can add your current Us bank as an external account and easily transfer money online. It is the ultimate world wide mongering card. As a bonus you get better exchange rates than you do at the currency exchange businesses. They pay what you see posted at www.visa.com, since they carry the visa
To check current exchange rates go to www.visa.com, select your country, then go to the search bar and enter "currency", a currency converter option will pop up, click on the pop up and then enter zero for bank fee, and put in your country of choice.