In Reply to: Citibank debt plus card posted by Glory on Monday, 31. March 2014 at 13:13 Bali Time:
The only ATMs in Bali that I am aware of that charge you fees are Commbank and ANZ ones. I've used my account throughout Bali and Java with the local bank ATMs (BCA, Mandiri, Danamon etc) without ever being charged a fee.
If possible, get a joint account with your partner/friend so that you will be issued 2 cards. Keep one in the hotel safe with your passport and you should be safe :)