I don't know the answer. Have you tried comparing Chase, Citi and HSBC?

You do raise, however, some interesting points here in the state of Eliot Spitzer.

€10,000 based on yesterday's close of $1.3374 reported in the Journal would equal $13,374. I'm wondering if such a large purchase would enable you to get a discount rate since the above rate is the wholesale, bank rate.

Naturally, if you are withdrawing $10,000 or more from a bank in single or multiple transactions you'll have to file FinCen Form 104.

If you take $10,000 or more out of the U.S., you'll also need to report that on FinCen Form 105.

Finally, the French government has its own law on the transportation of currency and expects you to declare to French Customs if you are bringing in €10,000 or more. See this page for more information from the French Embassy about their form. (I just love how currency is referred to as "liquid money.")

This information is provided for discussion purposes only and is not legal advice which should only be obtained from your lawyer.