State Farm Bank has definitely been the best of the bunch for me, and I've never had a handling charge.

The situation in Thailand is really bad, though when I was there last (in August), Bangkok Bank wasn't charging anything for Visa cash advances done over the counter. My credit union doesn't charge any upfront fees on those (try getting THAT from a bank), so it worked out. Generally, though, will need a much heavier mix of traveler's checks.