Currency conversion fees
By Blake Eligh • Bankrate.com

Finally, before you go, make sure to call your credit and debit card issuers to let them know your travel plans, or you may find yourself without funds when the bank shuts down access to your accounts to prevent fraud. It's also worth it to change your PIN number to a four-digit number, as most overseas ATMs won't accept anything longer. And do bring a backup credit card in case your main debit or credit card doesn't work.

Currency conversion fees
The percentage posted under credit card purchases and credit card cash advances is the charge assessed by both Visa or MasterCard and the credit card issuer or bank in addition to daily foreign currency conversion rates. For ATM withdrawals and debit card purchases, fees listed are those assessed by the card issuer for transactions and administrative charges. ATM charges vary for each card depending on the card holder's banking package, and additional charges may be levied by the foreign bank or merchant's point-of-service.

BMO
US ATM withdrawal: $1.50 to $3
International ATM withdrawal: $1.50 to $3
Debit card purchase: $3
Credit card purchase: 2.5% to 3.5%
Credit card cash advance: $3.50 to $6

Capital One
US ATM withdrawal: Not applicable
International ATM withdrawal: Not applicable
Debit card purchase: Not applicable
Credit card purchase: 2.5%
Credit card cash advance: 2.5%

Caisse Desjardins
US ATM withdrawal: $3 plus $0.60 transaction fee
International ATM withdrawal: $3 plus regular $0.60 transaction fee
Debit card purchase: $3 plus regular $0.60 transaction fee
Credit card purchase: No fee
Credit card cash advance: No fee

CIBC
US ATM withdrawal: $3 plus 2.5%
International ATM withdrawal: $5 plus 2.5%
Debit card purchase: Not applicable
Credit card purchase: 2.5%
Credit card cash advance: $5 plus 2.5%

Citibank
US ATM withdrawal: No fee; $0.50 for transactions at non-Citibank ATMs
International ATM withdrawal: No fee; $0.50 for transactions at non-Citibank ATMs
Debit card purchase: $0.50 per transaction
Credit card purchase: 2.5%
Credit card cash advance: $3 plus 2.5%

HSBC
US ATM withdrawal: $3 for transactions at non-HSBC network ATMs
International ATM withdrawal: $3 for transactions at non-HSBC network ATMs; transaction fees in specific countries may be reimbursed
Debit card purchase: Not available
Credit card purchase: 2.5%
Credit card cash advance: $2 to $5 plus 2.5%