I think some are confusing the ~1% network charges with fees charged by the card. All ATM and Credit Cards will incur the ~1% charges when used internationally (even in Canada and Mexico for US residents). These are charged by the financial networks and since all cards, credit unions, banks, and other card issuers use these networks, someone pays that fee. I cannot recall the exact amounts of the fees, I could dig it up, but it is actually two separate fees, a transaction fee for handling the transaction and a currency conversion fee (not to be confused with the exchange rate). The transaction fee is actually a fixed fee, the Currency conversion a % of the transaction. They are very small, totalling no more than 1% on a typical transaction of a couple hundred dollars, less if you take out a larger amount.
My credit union at one time broke these fees out on my statement, now they just give a total cost (this fee plus the Exchange rate) for the transaction...doesn't mean they no longer charge me the fee, just that they do not itemize it. The fee is small enough that when mixed in with the exchange rate and given that the exchange rate varies over the day and you do not know what rate you were charged, it can be difficult to figure out exactly what the breakdown is.
Point being, if a card or bank charges "no fees", they except this fee, you still pay it whether you know it or not, they mean that they charge no fees of their own for transactions. Schwab, my Credit Union, many other Credit Unions, small banks, some credit cards, and others fall into this category. Banks that hit you with a 3% Foreign Transaction fee Plus a $5 ATM fee do not (For 8% on $100, you might consider a cash advance on a credit card!)