Hi, I use Scotiabank ATM and I believe the fees are included in the withdrawal as I use Scotiabank in Canada too and I did not see anyone additional fees below the transaction when I looked it up on line while I was there. I looked back at previous transactions also, and did not see an additional fees for the withdrawals in JA only the fees I paid monthly. I withdrew $25,000 JA mostly when I went to the bank, and it cost me around $276.00 CDN last summer. When I looked this up now $25 J is $290? I tried to find out about fees here and they connected me to Scotia JA and I got no answer. Scotiabank also has western union on line and you can transfer directly from your account. You can send yourself money while in JA and pick it up with two pieces of photo ID. The fees are about $12.00 or so for $25,000 JA. If you bring travellers cheques and cash them in, is there not a cash-in fee at their end when you do this, as well as a fee to purchase them in your own country? If you open an account in JA, what are the fees for holding an account, withdrawals, etcs. Anyone know ... I thought they had high banking fees in JA including monthly fees even if you don't use the account for a period of time?