Community banks and credit unions are taking proactive steps to help their customers protect their money and identities while traveling overseas. The risks associated with debit cards are greater and the protection is not as robust as with credit cards. Many institutions now require customers to clear cards for use overseas before leaving on their trip. Third-party vendors such as Identity Theft 911 offer services to banks that help customers recoup money and recover their credit after a breach. Some banks pass some part of third-party costs to consumers; others pick up the whole tab.”]
Source: https://www.cuinfosecurity.com/tips-for-traveling-abroad-a-652