仔细读下条文

Traveling Internationally?
Use your Bank of America ATM or debit card at one of our International partner ATMs and avoid the non-Bank of America ATM $5 usage fee for each withdrawal, transfer or balance inquiry1 as well as the ATM operator access fee.

Bank of America will assess an international transaction fee of 3% of the converted US dollar amount.

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是有3%的费率了。 更早是没有这个的。