I use my ATM at the NCB ATM at ValueMaster, no transaction fee upfront and no fudging on the exchange rate to make up for it. My ATM is a MasterCard Debit with Pulse and MoneyPass affinity. However, my bank told me Pulse and MoneyPass are US-only affinity and had no explanation for why NCB doesn't charge me a fee...ValueMaster is just a skip away from ScotiaBank,
