Thanks wrtiii! I reread the thread from 2016. In the thread it was said NCB does not charge a withdrawal fee. The question then becomes how would their rate of exchange compare to Scotiabank (net of withdrawal fees).
And I agree it is not the best policy to have too much cash on your person or in your room at any one time.
I may have to make a withdrawal at Scotiabank and NCB and compare the net exchange rates. As you stated you are probably paying for the service one way or another. Maybe one is better than the other.