I use ALLY bank, where they only charge me a 1% foreign transaction fee (plus ATM). I pull out 2 consecutive withdrawals of $30,000JMD (their transactional max) at a time (my bank only allows a daily max of $500US to be withdrawn). With the current exchange rate at $140JMDto $1USD, I'll get about $138JMDto$1USD in value from my bank. Since the $60,000JMD is worth $425USD, I won't take out any more since I don't want to incur another ATM fee for only $75US worth of Jamaican money ($10,500 JMD)