RecklessSir

Interesting. Is there also conflicting information (what came with the card mailing vs. what's published on the website) regarding the fees or does that match?

I don't usually cite on other sites, when this is plainly spelled out in the site I'm talking about ("International" clearly different than "Domestic and International").

Regarding using information for marketing purposes, the privacy policy at https://www.mctrpayment.com/privacy/ explicitly says they don't do that, they only share information related to everyday business purposes, not for marketing. What leads you to believe otherwise?

I don't see anything in https://www.mctrpayment.com/cardholder-agreement that defines "external" as outside of their bank.

The "Transaction Limits" refer to "Transfer to External Bank Account | Domestic or International" but the "Fee-Based Services and Transactions" section only references "Transfer to External Bank Account | International" and all the context there on the 3.5% + up to $7 fee is all about foreign exchange conversions.

I don't see anything in the fee schedule that matches up with what you're claiming. https://www.mctrpayment.com/pdf/CA_MCTR_Fee_Trans.pdf

Withdrawing to an out of network ATM is $1.25, but there's no mention of any fee for a withdraw to an in-network ATM.

Transferring to an non-US bank is 3.5% plus up to $7, but there's no mention of any fee for a transfer to a US bank.

Can you clarify?